Credit Officer

3 months ago


Lubbock, United States Capital Farm Credit Full time

Description/Job Summary

LOCATION:

+ This position may be located in the Amarillo, Lubbock, or Round Rock.

EDUCATION REQUIREMENT:

+ Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience

JOB REQUIREMENTS:

+ Six (6) to seven (7) years of experience in the administration and analysis of complex credits on commercial and mortgage loans and leases.

+ Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential. This may include purchased and sold loan and lease participations.

+ Preference given to either: Underwriting large, complex, dairy and feedyard credit experience preferred.

FUNCTIONS:

+ Provides assistance to Loan Officers, Special Assets Officers and Administrators in analysis and servicing of the Association's loans and leases.

+ Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default {PD} rating for loans and leases.

+ Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default {LGD} rating for loans and leases.

+ Interprets, communicates, and provides guidance regarding Association lending policies and procedures.

+ Develops and manages loan portfolios including loan originations in the trade area served by the association. Works with complex loans and loan participation packages.

+ Interprets, communicates, and provides guidance regarding association lending policies and procedures.

+ Reviews and approves loans and leases submitted by other lending staff that exceed their delegated authority.

+ Complies with proper credit administration practices as outlined in the association's policies and procedures.

+ Assists senior-level credit officers with complex loan/lease applications as necessary.

+ Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.

+ Makes and services loans and leases within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans/leases within area of responsibility.

+ Conducts complex credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required by association policy.

+ Performs credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.

+ Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with loan officers, administrators and Special Assets Group to service problem loans.

+ May assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. May facilitate the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

PREFERRED SKILLS:

+ Able to review financial statements and other information, and prepare concise, informed Credit Reviews.

+ General knowledge of accounting/financial systems.

+ Specialized knowledge of accounting/finance principles.

+ Skill in oral and written communication.

+ Intermediate skill level in Microsoft Office applications.

+ Ability to perform complex accounting/financial analyses under limited supervision.

+ Interact with other departments of the association, including legal, treasury, and loan administration. Represent CFC at lenders meetings and industry gatherings.

At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request.

Details

Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses with over $12 billion in total assets and over 600 team members. We serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System.

We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others - with commitment, trust and value and family-like respect and appreciation. Capital Farm Credit works diligently to ensure we provide our full-time employees with a market-based compensation program including competitive salary, employee benefits, participation in an attractive goals-based incentive program, and development opportunities. As a customer-owned cooperative, our compensation and benefit programs are designed to align the success of our members with the employee's success.

Our comprehensive benefit program includes, but is not limited to:

+ An outstanding company-wide incentive program

+ Accommodating and flexible vacation and sick leave

+ 10-12 paid holidays

+ 401(k) plan with up to a 9% employer contribution/match

+ Affordable health, dental, and vision plans

+ 8 weeks of paid parental leave

+ Employer paid life insurance and disability

+ Tuition reimbursement

+ Up to $400/year wellness reimbursement


  • Mortgage Loan Officer

    2 weeks ago


    Lubbock, Texas, United States Alliance Credit Union Full time

    Job SummaryAs a Mortgage Loan Officer for Specialty Loan Programs, you will play a critical role in assisting members with their HELOC, Second Lien, and Construction lending needs. Your primary responsibility will be to analyze loan requests and make credit decisions based on mortgage lending policy.You will continually identify, develop, and maintain a...

  • Mortgage Loan Officer

    2 weeks ago


    Lubbock, Texas, United States COMPLEX COMMUNITY FEDERAL CREDIT UNION Full time

    About the RoleWe're seeking a seasoned professional to join our team at Complex Community Federal Credit Union as a Mortgage Loan Officer. As a key member of our lending team, you will be responsible for providing exceptional service and financial solutions to our members.Key ResponsibilitiesOriginate, process, and close conventional mortgage loan types,...


  • Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job Title: Operations AdministratorAgTexas Farm Credit Services is seeking a highly skilled Operations Administrator to join our team in Lubbock, TX. This is a challenging and rewarding role that requires advanced administrative support duties in support of multiple organizational units and departments.Key Responsibilities:Provide ongoing administrative...

  • IT Support Specialist

    1 month ago


    Lubbock, Texas, United States Alliance Credit Union Full time

    Job SummaryWe are seeking a highly skilled System Support Specialist to join our team at Alliance Credit Union. As a key member of our IT department, you will be responsible for providing top-notch support and training to our personnel in the use of office automation products, personal computers, online application systems, and user-based peripherals.Key...

  • Accounting Specialist

    2 weeks ago


    Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job Summary:The Accounting Specialist position is a key role within the Finance Department at AgTexas Farm Credit Services. This position is responsible for operating specific accounting system applications for data entry, information retrieval, and inquiry. The ideal candidate will have a strong background in accounting and finance, with experience in cash...


  • Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job Summary:The Accounting Specialist position at AgTexas Farm Credit Services is a critical role that requires a high level of accuracy and attention to detail. The successful candidate will be responsible for verifying the accuracy and completeness of accounting documents, identifying discrepancies, and resolving issues according to established...


  • Lubbock, Texas, United States AgTexas Farm Credit Services Full time

    About the OpportunityAgTexas Farm Credit Services is seeking a highly motivated and detail-oriented individual to join our team as a Summer Intern in Lending. This 10-week internship program is designed to provide aspiring professionals with hands-on experience in agriculture credit, lending, and loan administration, as well as exposure to other key areas of...

  • IT Support Specialist

    4 weeks ago


    Lubbock, Texas, United States Alliance Credit Union Full time

    Job OverviewTo ensure the efficient operation of our computer systems, we are seeking a skilled System Support Specialist to provide technical assistance and training to our personnel.Key ResponsibilitiesProvide support and training to credit union personnel in the use of office automation products, personal computers, on-line application systems, and...

  • Fraud Risk Specialist

    2 weeks ago


    Lubbock, Texas, United States Alliance Credit Union Full time

    Job SummaryWe are seeking a highly skilled Fraud Analyst to join our team at Alliance Credit Union. The successful candidate will be responsible for reviewing and monitoring member accounts to identify, prevent, deter, and investigate fraudulent activity committed against the credit union or its members.Key ResponsibilitiesConduct thorough reviews of member...


  • Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job SummaryWe are seeking a highly skilled and experienced Administrative Support Specialist to join our team at AgTexas Farm Credit Services. This is a unique opportunity to work in a dynamic and fast-paced environment, supporting multiple organizational units and departments.Key ResponsibilitiesProvide advanced, complex clerical and administrative support...


  • Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job Title: Graphic Design InternJob Summary:AgTexas Farm Credit Services is seeking a highly motivated and creative Graphic Design Intern to join our Marketing team. As a Graphic Design Intern, you will assist in designing and developing visual materials for our marketing campaigns, maintaining a consistent brand image, and working on various marketing...


  • Lubbock, Texas, United States Texas Tech Federal Credit Union Full time

    Job SummaryThe Financial Operations Specialist plays a vital role in ensuring the smooth operation of our credit union's back-office functions. This position requires a high level of accuracy, attention to detail, and excellent communication skills.Key ResponsibilitiesProcess member requests, inquiries, and complaints in a timely and effective...


  • Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job Title: Operations AdministratorAgTexas Farm Credit Services is seeking a highly skilled and organized Operations Administrator to join our team. As an Operations Administrator, you will provide advanced, complex clerical and administrative support duties in support of multiple organizational units and departments.Key Responsibilities:Provide ongoing...


  • Lubbock, Texas, United States AgTexas Farm Credit Full time

    Job Title: Operations AdministratorAgTexas Farm Credit Services is seeking a highly skilled Operations Administrator to join our team in Lubbock, TX. As a key member of our operations team, you will provide advanced clerical and administrative support to multiple organizational units and departments.Key Responsibilities:Provide ongoing administrative support...

  • IT Support Specialist

    3 weeks ago


    Lubbock, Texas, United States Alliance Credit Union Full time

    Job SummaryWe are seeking a highly skilled System Support Specialist to join our team at Alliance Credit Union.The successful candidate will provide technical support and training to our personnel in the use of office automation products, personal computers, online application systems, and user-based peripherals.Responsibilities include:Providing hardware,...


  • Lubbock, Texas, United States COMPLEX COMMUNITY FEDERAL CREDIT UNION Full time

    About the RoleWe're seeking a seasoned professional with a passion for delivering exceptional service and financial solutions to our members. As a Mortgage Loan Officer, you'll have the opportunity to work with a talented team at COMPLEX COMMUNITY FEDERAL CREDIT UNION to provide personalized support and guidance to our members.Key ResponsibilitiesOriginate,...


  • Lubbock, Texas, United States Texas Tech Federal Credit Union Full time

    Job Title: Processing SpecialistAt Texas Tech Federal Credit Union, we are seeking a highly skilled Processing Specialist to join our team. This role is responsible for providing exceptional customer service to members and staff, processing back-office actions, and leveraging system knowledge to continuously improve best practices.Key...


  • Lubbock, Texas, United States Complex Community Federal Credit Union Full time

    Job OverviewWe're seeking a seasoned Mortgage Loan Officer to join our team at Complex Community Federal Credit Union. As a key member of our lending team, you will be responsible for providing exceptional service and financial solutions to our members.Key ResponsibilitiesOriginate, process, and close conventional mortgage loan types, including purchase,...

  • Truancy Officer

    3 weeks ago


    Lubbock, Texas, United States Triumph Public Schools Full time

    Job Title: Truancy OfficerTriumph Public High Schools is seeking a dedicated and passionate individual to join our team as a Truancy Officer. As a key member of our staff, you will play a vital role in helping at-risk high school students succeed and reach their full potential.Job Summary:The Truancy Officer will provide assistance in understanding and...

  • truancy officer

    2 weeks ago


    Lubbock, Texas, United States Triumph Public Schools Full time

    Job Title: Truancy OfficerTriumph Public High Schools is seeking a dedicated and passionate individual to join our team as a Truancy Officer. As a key member of our staff, you will play a vital role in helping at-risk high school students succeed and reach their full potential.Job Summary:The Truancy Officer will provide assistance in understanding and...