Portfolio Monitoring Analyst

Capital Farm Credit; Round Rock (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Incentive Program

Accrued Time Off

Retirement (401k)

Health Coverage

Parental Leave

Life & Disability Insurance

Education & Wellness

Job summary

Capital Farm Credit is seeking a Credit Analyst to support Relationship Managers in monitoring loans, performing financial data analysis, and ensuring compliance with credit agreements. The role requires evaluating repayment capacity, liquidity, and covenants across diverse industries.

The position emphasizes accuracy, timely reporting, and collaboration with credit teams. A Bachelor’s degree in accounting/finance or equivalent experience is preferred, with 2–4 years in credit analysis and

Qualifications

• Bachelor’s degree in Accounting, Finance or Business Administration, or equivalent work experience.
• 2–4 years of experience in the administration and analysis of credit.
• Strong analytical and detail-oriented skills with ability to interpret data.

Responsibilities

• Assist Relationship Managers and Credit personnel with monitoring loans.
• Input and trend analysis of financial data and monitoring loan conditions across industries.
• Ensure timeliness and accuracy in reporting requirements.

Skills

Credit analysis

Analytical skills

Attention to detail

Communication skills

Data interpretation

Education

Bachelor's in Accounting/Finance/Business

Equivalent work experience

Tools

Excel

Word

Job description

About Us

Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture.

Why Join Us?

We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer-owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment.

• Incentive Program: Company-wide, goals-based rewards.
• Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.
• Retirement: 401(k) with up to 9% employer contribution/match.
• Health Coverage: Affordable medical, dental, and vision plans.
• Parental Leave: 8 weeks of paid parental leave.
• Life & Disability Insurance: Employer-paid coverage.
• Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

At Capital Farm Credit, you'll find more than a job—you'll find purpose.

EDUCATION AND EXPERIENCE

• Bachelor’s degree in Accounting, Finance or Business Administration, or equivalent work experience.
• Two (2) to four (4) years of experience in the administration and analysis of credit.

JOB SUMMARY

• Assists Relationship Managers and Credit personnel with monitoring loans.
• This involves the input and trend analysis of financial data and monitoring loan conditions and covenants across all industries to ensure consistency and compliance with approved credit agreements.
• Works under moderate supervision to ensure timeliness, accuracy, and compliance in reporting requirements.

ESSENTIAL FUNCTIONS

• Spreads and analyzes financial statements to determine financial performance trends; including repayment capacity, liquidity, leverage, and capitalization trends, sources and uses of cash
• Assists in the development of tools and templates for monitoring such loans
• Completes validation, review, reconciliation, and trending of tested financial covenants and borrowing base certificates, using Excel, database or other tools
• Manages review of reporting information with quick response on follow-up items
• Analyzes all pertinent financial information and supporting reports; determines the need for additional information or more thorough investigation; analyzes information statements and related material
• Reviews Credit Agreements and other loan documents to support covenant and reporting requirement monitoring and financial performance review
• Communicates with Deal Teams regarding ongoing performance trends of assigned accounts
• Reviews and understands chattel evaluations, collateral audits, and real estate appraisals
• Analyzes tax returns for determination of repayment capacity
• Develops spreadsheets and other automated tools for account financial performance monitoring, credit analysis, special projects, or presentations
• Provides assistance to Relationship Managers, Special Assets Group, and Administrators in analysis, servicing and reporting of the Association’s loans and leases
• Compiles quarterly industry updates for various industries based on input from Credit Managers, portfolio data, and industry sourced data
• Assists other Association personnel in completing projects as assigned
• Other duties as assigned

REQUIRED SKILLS

• Basic understanding of credit analysis, administration, and policy and procedures.
• Strong analytical skills and attention to detail.
• Ability to identify and resolve exceptions and to interpret data.
• Effective verbal, written, and interpersonal communication skills.
• Ability to read and comprehend credit write-ups and loan documentation.
• Intermediate skill level in Microsoft Office applications, especially Microsoft Excel, Word.

DISCLAIMER

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at [e-mail] and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the EEO - Know Your Rights and Pay Transparency Statement .

Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed.

Equal Opportunity Statement

Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidate's experience and qualifications. We welcome applicants of all backgrounds and do not discriminate based on race, color, gender, religion, national origin, disability, veteran status, or any other protected status. A full job description is available upon request. Candidates selected for hire will be required to complete a background check, including criminal history, education verification, and employment verification. A credit check will be required for roles that require NMLS registration.