Commercial Credit Officer II

7 days ago


Stephenville, Texas, United States Ag Texas Full time
Job Summary

The Commercial Credit Officer II - Loan Portfolio Manager position at AgTexas is responsible for analyzing and servicing the association's commercial loans. This role requires a strong understanding of financial systems, accounting principles, and credit delivery systems.

Key Responsibilities
  • Develop and manage loan portfolios, including loan originations in the trade area served by the association.
  • Provide analysis, servicing, and reporting of the association's mortgage and commercial loans.
  • Analyze financial information, including balance sheets, income statements, and cash flows of potential borrowers to ascertain credit worthiness.
  • Determine Probability of Default (PD) ratings as appropriate and make recommendations for approval or denial of loans.
  • Interpret, communicate, and provide guidance regarding association lending policies and procedures.
  • Review and approve loans submitted by other lending staff that exceed their delegated authority.
  • Ensure that all assigned loans are properly risk rated, assigned loss given defaults are correct, and performance status assignments are proper.
  • Comply with proper credit administration practices as outlined in the association's policies and procedures.
  • Assist senior-level credit officers with complex loan applications as necessary.
  • Assist 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.
  • 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 loan servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, 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 delinquent borrowers to obtain satisfactory loan performance.
  • Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security.
  • 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 prepare loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
Working Relationships

Frequent interaction with customers, association departmental staff, and management. Occasional interaction with association 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.



  • Stephenville, Texas, United States Ag Texas Full time

    Job SummaryThe Commercial Credit Officer II - Loan Portfolio Manager position at AgTexas is responsible for analyzing and servicing the association's commercial loans. This role requires a strong understanding of credit analysis, risk management, and loan servicing.Key ResponsibilitiesDevelop and manage loan portfolios, including loan originations in the...


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

    Job SummaryThe Relationship Administrator position is located in Stephenville, TX with a salary that is negotiable, depending upon experience. This position performs intermediate-level administration work, such as loan closings that is varied and somewhat complex in nature. Works under moderate supervision.Key ResponsibilitiesLoan Application Development:...


  • Stephenville, Texas, United States TechnipFMC plc Full time

    Job SummaryWe are seeking a skilled Assembly Technician II to join our team in a 2nd shift manufacturing environment. As an Assembly Technician II, you will be responsible for assembling and testing products according to part reports, while maintaining a clean and organized workstation.Key ResponsibilitiesAssembly and Testing: Assemble and test products...


  • Stephenville, Texas, United States Tarleton State University Full time

    Job Title: End User Support Specialist IIAgency: Tarleton State UniversityDepartment: Classroom & Lab Support ServicesProposed Minimum Salary: CommensurateJob Location: Stephenville, TexasJob Type: StaffPosition Overview:The End User Support Specialist II operates under general supervision to deliver intricate and specialized technology support for end...


  • Stephenville, Texas, United States Tarleton State University Full time

    Job Title: End User Support Specialist IIAgency: Tarleton State UniversityDepartment: Classroom & Lab Support ServicesProposed Minimum Salary: CommensurateJob Location: Stephenville, TexasJob Type: StaffPosition Overview:The End User Support Specialist II operates under general supervision to deliver specialized and intricate technology support for end...


  • Stephenville, United States The Ladders Full time

    COMPANY PROFILE: serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average loan volume of approximately $2.85 billion, with total assets equaling $3.2 billion. The...


  • Stephenville, United States AgTexas Farm Credit Full time

    COMPANY PROFILE: AgTexas Farm Credit Services serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average volume of approximately $2.7 billion. The lending portfolio...


  • Stephenville, United States Vyve Broadband Full time

    Job DescriptionJob DescriptionVyve Broadband strives to provide its customers with the highest quality service at the best possible price.  To meet this challenge, Vyve Broadband sets high standards for all itsemployees. We expect that all employees abide by all our policies and standards as described in the employee handbook and as communicated by...


  • Stephenville, United States Tarleton State University Full time

    Job TitleSoftware Applications Developer IIAgencyTarleton State UniversityDepartmentEnterprise SystemsProposed Minimum SalaryCommensurateJob LocationStephenville, TexasJob TypeStaffJob DescriptionThe Office of Innovative Technology Solutions at Tarleton State University welcomes applications and nominations for Software Applications Developer II....


  • Stephenville, United States Tarleton State University Full time

    Job Title Software Applications Developer IIAgency Tarleton State UniversityDepartment Enterprise SystemsProposed Minimum Salary CommensurateJob Location Stephenville, TexasJob Type StaffJob Description The Office of Innovative Technology Solutions at Tarleton State University welcomes applications and nominations for Software Applications Developer...


  • Stephenville, United States Walmart, Inc. Full time

    Position Overview:Walmart, Inc. is seeking skilled HVAC/Refrigeration Technicians to enhance our operations.Key Responsibilities:Diagnose, troubleshoot, and repair HVAC/R systems.Conduct routine and preventative maintenance on equipment.Manage refrigerant levels and maintain parts inventory to ensure efficient operations.Build and maintain relationships with...


  • Stephenville, United States Walmart, Inc. Full time

    Position Overview:Walmart, Inc. is seeking skilled HVAC/Refrigeration Technicians to enhance our operations.Key Responsibilities:Diagnose, troubleshoot, and repair HVAC/R systems and equipment.Conduct both major and minor preventive maintenance tasks.Manage refrigerant levels and parts inventory to ensure efficient HVAC/R maintenance and repairs.Establish...


  • Stephenville, United States Walmart, Inc. Full time

    Position Overview:Walmart, Inc. is seeking skilled HVAC/Refrigeration Technicians to enhance our operational efficiency in heating, ventilation, air conditioning, and refrigeration systems. Your expertise will be crucial in upholding our quality standards through thorough inspections and modifications of HVAC/R systems.Key Responsibilities:Diagnose,...

  • Senior Geophysicist

    1 week ago


    Stephenville, United States Collier Consulting & Collier Geophysics Full time

    Qualifications: Bachelors in Geophysics or Geology with emphasis on geophysics. Minimum 5 years of experience. Field methods experience, preferably some seismic, electrical or electromagnetics. Exposure to data processing with a variety of commercially available software. Proficient in programs such as Microsoft Office, Google Earth, PDF editing, Gmail, etc....


  • Stephenville, United States United Cooperative Full time

    United Cooperative Services has an opening for the position of Accounting Technician I in the Stephenville Finance and Accounting Department. This non-exempt position starts at $30.86 per hour. Candidate should have a stable, verifiable work history, with an acceptable MVR. A pre-employment drug and alcohol screen is required. This is a career job with...

  • Service Manager

    3 months ago


    Stephenville, United States Tellus Equipment Solutions Full time

    Job DescriptionJob DescriptionJob Summary:Manages service operations within the dealership to maximize return on investment and optimizes Service Department processes to ensure customer satisfaction. Grows service labor sales and controls expenses.Job Duties:Develops, communicates, and monitors Service Department processes to ensure customer...


  • Stephenville, United States United Cooperative Services Full time

    Job DescriptionJob DescriptionUnited Cooperative Services has an opening for the position of Accounting Technician I in the Stephenville Finance and Accounting Department.  This non-exempt position starts at $30.86 per hour. Candidate should have a stable, verifiable work history, with an acceptable MVR. A pre-employment drug and alcohol screen is...


  • Stephenville, United States United Cooperative Full time

    United Cooperative Services has an opening for the position of Accounting Technician I in the Stephenville Finance and Accounting Department. This non-exempt position starts at $30.86 per hour. Candidate should have a stable, verifiable work history, with an acceptable MVR. A pre-employment drug and alcohol screen is required. This is a career job with...


  • Stephenville, United States Ranger College Full time

    Job DescriptionJob DescriptionSalary: $500.00 per credit hourPOSITION TITLE: Psychology Adjunct Instructor                                               START DATE: Open Until Filled The College reserves the right to close the recruitment process once a sufficient applicant pool has been...

  • Ag Adjunct Instructor

    3 months ago


    Stephenville, United States Ranger College Full time

    Job DescriptionJob DescriptionSalary: $500 per credit hourPOSITION TITLE: Ag Adjunct Instructor                                               START DATE: Open Until Filled The College reserves the right to close the recruitment process once a sufficient applicant pool has been identified.CAMPUS/DEPARTMENT: Online...


  • Stephenville, United States gpac Full time

    Territory Sales Manager We are working with an ag implement / farm equipment manufacturer to help them find a Territory Sales Manager for a territory that covers Texas and Louisiana. This is an existing territory, and the company is expanding and is well-established. Everything they do is geared towards growth.   Territory Sales Manager...

  • Insurance Agent

    3 months ago


    Stephenville, United States Texas Farm Bureau Full time

    Job DescriptionJob DescriptionInsurance AgentWe are seeking energetic self-starters who are interested in a rewarding insurance sales career. This role requires high achievers with a positive and professional attitude, excellent communication skills and self-discipline. This is a great opportunity for the entrepreneurial minded who want to lead and build a...