Commercial Credit Officer II

2 days ago


Stephenville, Texas, United States AgTexas Farm Credit Full time
Job Title: Commercial Credit Officer II

AgTexas Farm Credit is seeking a highly skilled Commercial Credit Officer II to join our team. As a key member of our lending team, you will be responsible for analyzing and servicing commercial loans, evaluating creditworthiness, and making recommendations for loan approval or denial.

Key Responsibilities:
  • Develop and manage loan portfolios, including loan originations and servicing.
  • Provide analysis and reporting on mortgage and commercial loans.
  • Analyze financial information to determine creditworthiness and make recommendations for loan approval or denial.
  • Interpret and communicate association lending policies and procedures.
  • Review and approve loans submitted by other lending staff.
  • Ensure proper risk rating, loss given default, and performance status assignments.
  • Comply with credit administration practices as outlined in association policies and procedures.
  • Assist senior-level credit officers with complex loan applications.
  • Assist borrowers with credit needs and formulate solutions to credit-related issues.
Requirements:
  • Bachelor's degree in finance, business administration, agricultural economics, or a related field.
  • At least five years of experience in credit analysis and loan servicing.
  • Intermediate-level accounting and financial analysis skills.
  • Excellent communication and interpersonal skills.
  • Ability to work in a fast-paced environment and meet deadlines.
Working Relationships:

Frequent interaction with customers, association departmental staff, and management. Occasional interaction with senior management, CEO, and/or board of directors. Occasional interaction with Farm Credit Bank of Texas staff. Frequent interaction with area professionals, including real estate agents, commercial bankers, and others who deal with the association in the normal course of business.

AgTexas Farm Credit is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, national origin, protected veteran status, sexual orientation, gender identity, or genetic information.



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