Senior Credit Strategist (Hybrid)

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 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.