Loan Analysis Consultant

2 weeks ago


San Antonio, Texas, United States Farm Credit Full time

About Us:
Capital Farm Credit stands as the premier rural lending cooperative in Texas, dedicated to offering financial support and related services to agricultural producers, rural homeowners, and agribusinesses. With over $12 billion in assets and a team of more than 600 professionals, we proudly serve 192 counties across Texas through nearly 70 credit offices, as part of the nationwide Farm Credit System.

Our Commitment:
We are in search of enthusiastic and dedicated individuals who embody our core values of commitment, trust, and respect. At Capital Farm Credit, we strive to provide our full-time employees with a competitive compensation package that includes a market-driven salary, comprehensive benefits, an attractive incentive program based on performance, and opportunities for professional growth. Our employee compensation and benefits are designed to align the success of our members with that of our team.

Benefits Overview:
Our extensive benefits package includes:

  • A robust company-wide incentive program
  • Flexible vacation and sick leave policies
  • 10-12 paid holidays annually
  • 401(k) plan with employer contributions up to 9%
  • Affordable health, dental, and vision insurance options
  • 8 weeks of paid parental leave
  • Employer-sponsored life insurance and disability coverage
  • Tuition reimbursement opportunities
  • Wellness reimbursement of up to $400 per year

Position Overview:
Location: Office location will be determined based on availability within the designated market.

Education Requirements:
Applicants should possess a Bachelor’s degree in Finance, Business Administration, or a related discipline, or equivalent professional experience.

Job Responsibilities:
The successful candidate will be responsible for:

  • Assisting Loan Officers and other stakeholders in the analysis and management of loans and leases.
  • Evaluating financial statements, including balance sheets and income statements, to assess borrower creditworthiness.
  • Determining risk ratings for loans and leases based on thorough analysis of collateral and repayment sources.
  • Providing guidance on lending policies and procedures to internal teams.
  • Collaborating with internal stakeholders to develop sound credit decisions and preparing reports as needed.
  • Reviewing and approving loan applications that exceed delegated authority.
  • Ensuring compliance with credit administration practices as per established policies.
  • Supporting senior analysts with complex loan applications.
  • Engaging in the development of loan relationships with various stakeholders.
  • Assisting in the negotiation and closing of loans and leases.
  • Acting as an approver for loans and credit servicing actions within personal authority.
  • Interpreting legal and title-related inquiries regarding loans and leases.
  • Contributing to the development and administration of lending programs and procedures.
  • Providing mentorship and training to junior credit analysts.
  • Assisting with special projects as assigned.

Preferred Qualifications:
Ideal candidates will possess:

  • A solid understanding of accounting and financial systems.
  • Specialized knowledge of finance and accounting principles.
  • Strong communication skills, both verbal and written.
  • Proficiency in Microsoft Office applications.
  • The ability to conduct financial analyses with moderate supervision.

At Capital Farm Credit, we value diversity and are committed to creating an inclusive environment for all employees. We encourage applications from individuals of all backgrounds.



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