Senior Credit Officer - Power and Crops

Farm Credit Bank of Texas; Polska; Hybrid; PLN 469,000 - 626,000; Full time

Benefits offered by this job

Health insurance

401(k) plan with employer match

Paid holidays

Vacation leave

Volunteer days

Job summary

Farm Credit Bank of Texas is seeking a Senior Credit Officer I to underwrite, analyze, service, and monitor loan relationships across official loans, excess loans, and participations, ensuring strong credit discipline and compliance with standards.

The role collaborates with Directors and associations to evaluate complex credits, support lending relationships, and contribute to portfolio reporting and industry analysis. Travel up to 25% may be required.

Qualifications

• Bachelor’s degree or equivalent experience in a related business field.
• 5–10 years of lending/credit experience, including complex credits.
• Experience with official loans, loan participations, or direct lending structures.

Responsibilities

• Underwrite, analyze, service, and monitor official loans, excess loans, and loan participations.
• Analyze borrower financial statements, cash flow, collateral, and repayment capacity.
• Support structuring, evaluation, and negotiation of complex credits and large loans.
• Monitor portfolio relationships for risks, performance trends, and covenant concerns.
• Assist leadership in analysis, servicing, reporting, and portfolio management.
• Communicate lending policies and guidance to associations and stakeholders.
• Review legal, collateral, and documentation issues during underwriting and servicing.

Skills

Credit analysis

Financial analysis

Underwriting

Portfolio monitoring

Communication skills

Attention to detail

Analytical thinking

Team collaboration

Travel availability

Education

Bachelor's degree in agricultural economics/finance/business administration or related field

Equivalent experience

Tools

Loan analysis software

Microsoft Excel

Job description

Farm Credit Bank of Texas is a $42.2 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

The Senior Credit Officer I is responsible for underwriting, analyzing, servicing, and monitoring assigned participation, direct lending, official loan, and excess loan relationships. This role performs in-depth financial analysis, due diligence, credit administration, portfolio monitoring, and transaction support for commercial, agricultural, and related lending opportunities, while helping ensure sound credit discipline, responsive service, and compliance with Bank credit standards and portfolio risk expectations.

The position partners with Directors, Capital Markets Credit Analysis leadership, associations, and other financial institutions to evaluate complex credits, support loan participations and correspondent lending relationships, and contribute to portfolio reporting, industry analysis, and special projects. The role requires sound credit judgment, strong analytical capability, and the ability to manage complex transactions and portfolio relationships with an appropriate level of independence.

Day-to Day-Duties and Responsibilities

• Perform financial analysis, underwriting, credit administration, monitoring, and due diligence for assigned official loans, excess loans, loan participation packages, direct loan relationships, and other commercial or agricultural credit opportunities.
• Analyze borrower financial statements, cash flow, collateral, repayment capacity, industry conditions, risk trends, and transaction structures to assess creditworthiness and portfolio risk.
• Support structuring, evaluation, and negotiation of complex credits, including large loans, participations, correspondent lending relationships, and other specialized transactions.
• Monitor assigned participation and portfolio relationships to identify emerging risks, performance trends, covenant concerns, servicing needs, and other matters requiring attention or escalation.
• Assist Directors and Credit leadership in the analysis, servicing, reporting, and ongoing management of the Bank’s loan participations and related portfolio activity.
• Interpret, communicate, and provide guidance to associations regarding sound lending practices, credit policies, financial analysis, and portfolio considerations.
• Review and help resolve legal, title, collateral, documentation, and other credit-related questions that arise during underwriting, servicing, or transaction execution.
• Support development, administration, and enhancement of lending programs, operating procedures, and practices related to lending operations and portfolio management.
• Assist in development and closing of complex loans by supporting analysis, structuring, negotiation, and coordination with internal and external stakeholders.
• Support development and maintenance of loan participation and correspondent banking relationships with other lenders and financial institutions.
• Manage assigned participation loan relationships and provide timely follow-up on servicing, monitoring, reporting, and issue resolution.
• Develop industry analysis, peer group analysis, portfolio analysis, and related credit materials to support decision-making, portfolio oversight, and special projects.
• Prepare clear, well-supported credit analysis, underwriting documents, portfolio summaries, and recommendations for leadership and other stakeholders.
• Assist other Bank personnel in completing coordinated projects, portfolio reviews, and credit-related initiatives as assigned.
• Perform other duties and responsibilities as assigned.

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:

Required

• Bachelor’s degree in agricultural economics, finance, business administration, or other related business field, or equivalent experience.
• Five (5) to ten (10) years of experience in lending, credit analysis, credit administration, commercial credits, agricultural production lending, or related financial services work.
• Experience analyzing complex credits and working with large loans over $5 million.
• Experiencewith official loans, excess loans, loan participations, direct loans, correspondent lending relationships, or comparable complex credit structures.
• Strong knowledge ofcredit administration, financial analysis, loan analysis software, accounting standards, credit policies, and lending procedures.
• Strong understanding of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards, and payment performance related to agricultural production loans, mortgage loans, and commercial credits.
• Ability to identify, measure, monitor, and manage risk in loans, loan portfolios, and direct lending relationships.
• Strong written and verbal communication, interpersonal, organizational, and analytical skills.
• Strong computer skills and ability to manage multiple priorities and deadlines.
• Ability to travel up to 25 percent.

Preferred

• Experience in Farm Credit, agricultural finance, commercial banking, or another regulated financial services environment.
• Experience supporting complex participation, correspondent banking, capital markets, or direct lending relationships.
• Experience preparing industry, peer group, or portfolio analysis for senior leadership or credit committees.
• Experience assisting with development of lending programs, portfolio management procedures, or credit process improvements.
• Experience working directly with associations, senior loan officers, or other external financial institution partners on credit structuring and evaluation.

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
• 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

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Farm Credit Bank of Texas’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.