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Senior Commercial Credit Analyst

2 months 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 credit analysis, risk management, and loan servicing.

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.
  • 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.