Capital Markets Credit Analyst II

2 weeks ago

Austin, Texas, United States Farm Credit Bank of Texas Full time

About Us:

Farm Credit Bank of Texas is a prominent wholesale banking institution with a robust portfolio of $37.5 billion, dedicated to supporting agriculture and rural communities across America for over a century. Based in Austin, Texas, we provide essential funding and services to rural lending associations in multiple states while actively participating in the national capital markets.

Although our name may not be widely recognized, our contributions are vital in ensuring that America has access to a reliable and affordable food supply, an industry characterized by continuous innovation and transformation. As you help us fulfill our mission, we are committed to reciprocating by offering competitive salaries, comprehensive health and wellness benefits, and a flexible hybrid work environment located along the scenic Colorado River, just a short distance from downtown Austin.

Position Overview:

We are currently seeking a Capital Markets Credit Analyst. This role involves a thorough examination and underwriting of assigned participation accounts and offers, as well as the management of these accounts.

The Capital Markets Credit Analyst will play a key role in analyzing, servicing, and reporting on loan participations.

This position also requires the individual to conduct industry and peer group assessments, portfolio evaluations, and other special projects as assigned.

Key Responsibilities:

  • Oversee credit administration, financial analysis, and due diligence reviews of various financial participation packages and loan origination with district associations or commercial agency lenders.
  • Establish and nurture loan participation and correspondent banking relationships with other financial institutions. The incumbent will also manage and service assigned participation loan relationships as directed by their supervisor.
  • Assist in the structuring and closing of complex loans by providing analytical support and negotiating terms.
  • Interpret, communicate, and offer guidance to associations regarding district lending policies and procedures.
  • Address various legal, title, and other inquiries that may arise in relation to loans.
  • Support the administration and development of lending programs, along with the creation and revision of operational procedures related to lending activities.
  • Collaborate with other bank personnel on coordinated projects as assigned.

Qualifications:

Our ideal candidate resides within a reasonable commuting distance from our office and values the benefits of a hybrid work model.

This pivotal role encompasses a diverse skill set. The position requires:

  • A Bachelor's Degree in finance, business administration, or a related field, or equivalent experience.
  • A minimum of three to five years of experience in various aspects of lending, including marketing, administration, and analysis of commercial credit.
  • Proficiency in analyzing complex credits, as well as negotiating and managing commercial loans.
  • Experience collaborating with financial institutions in structuring and evaluating loan participations and credit relationships.

This role demands expertise in credit administration, financial analysis, and familiarity with various loan analysis software, accounting standards, credit policies, and program development. Strong computer, interpersonal, public speaking, and communication skills are essential. A comprehensive understanding of financial statement analysis, forecasting, cash flow analysis, collateral assessment, and payment performance in mortgage and commercial lending is required. Knowledge of credit and accounting standards, real estate appraisals, and marketing techniques is also necessary. The ability to accurately identify, measure, and manage risk in loans and loan portfolios is crucial. This position may involve travel up to 15 percent.

Why Choose Farm Credit Bank of Texas:

In addition to a competitive salary, we provide a wide range of comprehensive and affordable benefits focused on health and wellness, financial security, and work-life balance:

  • Flexible health and wellness benefits, including medical, dental, and vision insurance, along with flexible spending accounts.
  • A 401(k) plan featuring employer matching and additional contributions.
  • Long-term disability and life insurance coverage.
  • Generous vacation and sick leave policies, including paid holidays.
  • Unique options for using sick leave for pet emergencies.
  • Opportunities to volunteer in local community organizations.
  • Ongoing professional development and a generous tuition reimbursement program.
  • Incentives for physical fitness and an employer matching gifts program.

Important Note: We value your application process and take it seriously. A real person will review your applications, and response times may vary. The interview process may include phone calls, emails, on-site interviews, and requests for work demonstrations. While we cannot personally follow up with each applicant, we strive to create a professional and respectful process for candidates who align with our needs.

A/EOE/M/F/D/V

#LI-Hybrid

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