Credit Officer II

Farm Credit Bank of Texas; Austin (TX); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement plan

Paid holidays & vacation

Wellness programs

Job summary

Farm Credit Bank of Texas seeks a Credit Officer II to underwrite and monitor commercial and agricultural credit relationships. You will analyze financial statements, assess risk, and structure loans while collaborating with Lending Team and Farm Credit associations to ensure sound lending decisions.

Ideal candidates bring 3–5 years in lending or credit analysis, experience with large and complex credits, and strong communication skills.

Qualifications

• Bachelor’s degree or equivalent experience.
• 3–5 years of lending or credit analysis experience.
• Experience with complex credits and large loans over $5 million.
• Experience with official loans, excess loans, participations, direct loans, or correspondent lending.
• Strong knowledge of credit administration, financial analysis, accounting standards, lending procedures.
• Strong understanding of financial statement analysis, forecasting, cash flow, collateral analysis, and appraisal standards.
• Ability to identify, measure, monitor, and manage risk within credits and portfolios.
• Strong written and verbal communication, organizational, and analytical skills; able to manage multiple priorities.
• Willingness to travel up to 25%.

Responsibilities

• Perform financial analysis, underwriting, credit administration, monitoring, and due diligence for commercial and agricultural credit relationships.
• Analyze borrower financial statements, cash flow, repayment capacity, collateral, industry conditions, transaction structures, and risk trends.
• Support structuring, evaluation, negotiation, and closing of complex credits.
• Monitor loan and participation relationships for emerging risks and covenant concerns.
• Prepare clear, well-supported credit analyses, underwriting documents, and portfolio summaries.
• Partner with Lending Team and Credit leadership in analysis, servicing, reporting, and portfolio management.
• Communicate with Farm Credit associations to guide sound lending practices and portfolio considerations.
• Help research and resolve legal, title, collateral, and other credit-related matters.
• Develop and maintain loan participation and correspondent banking relationships.
• Develop industry and portfolio analyses to support lending decisions and projects.

Skills

Credit analysis

Financial analysis

Lending knowledge

Communication skills

Risk assessment

Travel up to 25%

Education

Bachelor’s degree in agricultural economics, finance, business administration, or related field

Job description

Who we are: 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, legal, or other administrative functions, and welcome you to join us in our mission to feed the world.

Position Description: Are you an experienced credit professional who enjoys analyzing complex transactions, managing lending relationships, and turning financial information into sound credit decisions? We are seeking a Credit Officer II to support the underwriting, analysis, servicing, and monitoring of commercial and agricultural credit relationships. In this role, you will evaluate complex credits and loan structures, including participation loans, direct loans, official loans, excess loans, and correspondent lending relationships. You will perform in-depth financial analysis and due diligence, assess borrower and portfolio risk, monitor existing relationships, and develop well-supported credit recommendations. You will work closely with our Lending Team, Credit leadership, Farm Credit associations, and other financial institutions to help structure transactions, manage portfolio relationships, identify emerging risks, and support sound lending decisions. This is an opportunity to apply strong credit judgment and analytical expertise while gaining exposure to sophisticated agricultural and commercial lending transactions.

Day-to-Day Duties and Responsibilities:

• Perform financial analysis, underwriting, credit administration, monitoring, and due diligence for assigned commercial and agricultural credit relationships, including participation, direct, official, and excess loans.
• Analyze borrower financial statements, cash flow, repayment capacity, collateral, industry conditions, transaction structures, and risk trends to assess creditworthiness and portfolio risk.
• Support the structuring, evaluation, negotiation, and closing of complex credits, including large loans, participations, correspondent lending relationships, and other specialized transactions.
• Monitor assigned loan and participation relationships to identify emerging risks, performance trends, covenant concerns, servicing needs, and other matters requiring attention or escalation.
• Prepare clear, well-supported credit analyses, underwriting documents, portfolio summaries, and recommendations for Credit leadership and other stakeholders.
• Partner with the Lending Team and Credit leadership in the analysis, servicing, reporting, and ongoing management of the Bank’s loan participations and related portfolio activity.
• Work with Farm Credit associations to communicate and provide guidance regarding sound lending practices, credit policies, financial analysis, and portfolio considerations.
• Help research and resolve legal, title, collateral, documentation, and other credit-related matters that arise during underwriting, servicing, or transaction execution.
• Support the development and maintenance of loan participation and correspondent banking relationships with other lenders and financial institutions.
• Develop industry, peer group, portfolio, and other credit analyses to support lending decisions, portfolio oversight, and special projects.
• Contribute to the development and enhancement of lending programs, operating procedures, portfolio management practices, and credit-related initiatives.

What You Bring to the Team: Our ideal candidate is a thoughtful and analytical credit professional who can evaluate complex lending opportunities, identify and communicate risk, and build productive relationships with internal and external partners. This role requires a strong foundation in credit analysis and lending, along with the judgment and communication skills needed to manage increasingly complex transactions and portfolio relationships, including:

• Bachelor’s degree in agricultural economics, finance, business administration, or another related business field, or equivalent experience.
• Three (3) to five (5) years of experience in lending, credit analysis, credit administration, commercial credit, agricultural production lending, or related financial services work.
• Experience analyzing complex credits and working with large loans of more than $5 million.
• Experience with official loans, excess loans, loan participations, direct loans, correspondent lending relationships, or comparable complex credit structures.
• Strong knowledge of credit administration, financial analysis, accounting standards, credit policies, lending procedures, and loan analysis tools.
• 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 within individual credits, loan portfolios, and direct lending relationships.
• Strong written and verbal communication, interpersonal, organizational, and analytical skills, with the ability to manage multiple priorities and deadlines.
• Ability to travel up to 25%.
• Experience in Farm Credit, agricultural finance, commercial banking, or another regulated financial services environment is preferred.
• Experience supporting complex participation, correspondent banking, capital markets, or direct lending relationships is preferred.
• Experience preparing industry, peer group, or portfolio analysis for senior leadership or credit committees is preferred.

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 application, 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.

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.