Analyst – Credit Operations

Who we are:

Farm Credit Bank of Texas is a $40.9 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in the nation's capital markets. 

While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply, an industry which is one of the most innovative and evolving of our time. And while you help us deliver on our mission, we deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive workplace located along the bluffs of the Colorado River just minutes west of downtown Austin. 

We seek out top talent in their fields, whether it be technology, finance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world. 

Position Description: 

We are seeking a highly skilled Analyst – Credit Operations & Services to join our team. This role monitors and coordinates the flow of information and documentation related to participation loans, ensuring accuracy, completeness, and compliance across all required processes. The analyst interprets and applies monitoring requirements for individual loans and supports compliance and documentation standards for syndicated credit facilities.

Working under limited supervision, the analyst exercises sound independent judgment and know when escalation is appropriate, offering well-reasoned recommendations when issues arise. This role functions as a key contributor within a collaborative team environment, supporting colleagues and maintaining strong communication channels across the organization.

The analyst follows established processes and procedures to maintain compliance with internal controls while ensuring timely, efficient handling of credit operations activities. The ideal candidate will be detail-oriented, proactive, and comfortable navigating complex credit documentation and workflow requirements.

Day-to Day-Duties and Responsibilities: 

• Collect and organize post-close loan documents for review, analysis and interpretation to input pertinent compliance, covenants or financial ration data into the data tracking system and make determinations on sufficiency when received to confirm regulatory compliance. 
• Reviews loan agreements, credit documents, and amendments to identify and extract covenant and compliance requirements, ensuring accurate updates to covenant tracking systems to reflect current obligations and risk indicators and store in Client files for regulatory and audit requirements. Uses sound judgment to assess covenants and risk indicators and determine when further review or escalation is warranted.
• Monitors Shared Sites and the Compliance Inbox to review incoming legal and compliance-related documents, ensuring timely tracking and verification of adherence to covenants, legal agreements, and annual review requirements. Use independent judgment to ascertain if documents meet Credit and Compliance requirements.
• Responsible for identifying and communicating deficiencies, due and overdue items—including failed financial ratios—to Credit and Lending Officers, and exercising discretion to escalate issues when appropriate, along with recommended actions.
• Reviews loan records for compliance to ensure that all information and documents are received.  Identifies overdue items and exercises judgment in determining appropriate follow-up actions or escalation.
•  Creates, reviews and distributes compliance reports weekly, monthly and as requested.  Research and requests items from, Credit Office or Lending Officer to clear overdue items. 
• Distribute legal documents to sub-participants in a timely fashion. Create and manage portals for Associates where FCBT is lead and update relevant legal and credit documents on to site for proper dissemination. 
• Support team members to collect and organize loan closing information for review and analysis to input pertinent loan data into a Loan Deal Sheet.  Examine the loan deal sheet for accuracy and completeness.
• Assists in the electronic documentation delivery process for internal and external audits.
• Prepare documents and correspondence for reports as required.
• Reviews credit desk analysis forms for upcoming legal amendments, and waiver notifications.
• Completes special projects as assigned. Including testing new Systems of work or requesting enhancements or propose changes to procedures to better align with Business needs and compliance monitoring requirements.

Skills & Requirements:

Knowledge of various types of credit offerings and the procedures required for administration of related loans. Knowledge of loan administration practices, including legal document review, credit monitoring and related documentation. General knowledge of accounting/financial systems. Professional and courteous oral and written communication are required. Problem solving skills and proficiency in organizing and prioritizing work are also required. Intermediate skill level in Microsoft Office applications. Ability to communicate effectively, handle multiple concurrent tasks and learn new applications quickly. The incumbent should have a sound understanding of credit and legal terminology and work well under pressure. 

What You Bring to the Team:

Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.

It's an important role that covers many skills. This position requires:

Bachelor's degree in business, Finance or a related field and two (2) years to (3) years of relevant work experience, preferably in credit administration and loan transaction processing. Experience in credit monitoring, Proven ability to critically analyze documents, problem solving skills, and follow internal controls. 

Why Farm Credit Bank of Texas:

In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:

• Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
• 401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution
• Long-term disability and life insurance
• Vacation leave, sick leave, and paid holidays
• Fertility benefit and parental leave plan
• Up to two days per year to volunteer in local community organizations, services, or events
• Ongoing professional-development opportunities
• Generous tuition-reimbursement program
• Physical fitness incentive plan
• Employer matching gifts program

Important note: We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. We can't personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit. 

A/EOE/M/F/D/V

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