Relationship Manager I

Capital Farm Credit; Robstown (TX); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Incentive program

Accrued time off

Retirement: 401(k)

Health coverage

Parental leave

Life & disaster insurance

Education & wellness

Job summary

Capital Farm Credit seeks a Loan Officer to manage existing relationships and develop new lending opportunities in a rural-agriculture focused cooperative. You will assess loan requests, maintain portfolios, and work within delegated authority to support member success.

The role requires mortgage lending experience, NMLS registration, and strong analytical/communication skills. Join a cooperative that values trust, growth, and member service in Texas communities.

Qualifications

• Strong interpersonal skills to build client relationships.
• Solid understanding of accounting/finance concepts.
• Excellent written and verbal communication.

Responsibilities

• Manage and grow current business relationships and pursue new accounts.
• Evaluate and approve loans within delegated authority; escalate beyond limits.
• Develop loan portfolios and implement sales strategies to grow client base.
• Promote the association and maintain good public/member relations.
• Perform loan analysis, underwriting, and servicing tasks as needed.

Skills

People skills

Finance knowledge

Accounting principles

Communication

MS Office

Financial analysis

Education

Bachelor’s degree in business/finance/agriculture

NMLS mortgage loan officer registration

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 & Disaster 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 business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.
• 2 or more years of experience as a loan officer or loan officer associate or commensurate title, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Registration required as a Mortgage Loan Officer under the National Mortgage Licensing System.

Job Summary

• Manages and maintains current business relationships and seeks new accounts.
• Recommends or approves loans in assigned territory within the limits of specific delegated authority.
• Develops and manages loan portfolios including loan originations in the trade area served by the association.
• Develops and implements sales strategies in order to increase client satisfaction and loan portfolio growth.
• Has some latitude for decision making; works under moderate supervision.

Functions

• Responsible for developing new business in the assigned office in addition to servicing exiting, commercial, and real estate customers. Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendations for approval or rejection. Works with other Association personnel including credit analysts’ ln loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities. Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure, and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities. Secures background and credit history on new loans, repeat loans and renewals. Provides for evaluation of loan collateral in accordance with association policies and procedures. Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in simple to moderately complex credit analyses. Reviews balance sheets, income statements, and cash flows of potential borrows to ascertain creditworthiness. Works with credit analysts on loans in process and maintains current, adequate, and verified financial information on borrowers and guarantors as required by Association.
• Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Assists staff and management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA polices and regulations.
• May perform appraisals, inspections and/or collateral evaluations in compliance with district and Association standards and procedures.

Required Skills

• Ability to work well with and engage people on a continual basis as a representative of the Association to build good will and rapport.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

If you require reasonable accommodation during the employment process, email [e-mail] with your request and contact information. Requests will be considered individually. Only accommodation-related inquiries will receive a response at this email.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.

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 Capital Farm Credit’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.