Relationship Manager II

Farm Credit Services; San Angelo (TX); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Incentive program

Accrued time off

Retirement plan

Health coverage

Parental leave

Life & disability insurance

Education & wellness

Job summary

Capital Farm Credit, based in San Angelo, Texas, seeks an experienced Loan Officer to develop new business and service existing commercial and real estate borrowers. You will review loan analyses, prepare requests, and work with credit analysts on complex cases within policy guidelines.

The role emphasizes risk assessment, strong customer service, and active portfolio growth in a rural lending cooperative environment.

Qualifications

• Three+ years of loan officer or equivalent lending experience.
• Outstanding business development skills with credit knowledge to grow portfolio.
• Exceptional customer service to support business development.
• Ability to assess risk and provide loan approval recommendations.

Responsibilities

• Develop new business in the assigned office and service existing commercial and real estate customers.
• Review loan analyses within policy guidelines and prepare loan requests for higher authority.
• Promote the association through public and member relations and attend corporate functions.
• M ake and service leases, loans for operating equipment and real estate within delegated authority.

Skills

Communication skills

Business development

Customer service

Risk assessment

Accounting knowledge

Microsoft Office

Financial analysis

Education

Bachelor's degree in Finance, Business Administration, Ag Economics, Ag Business or related field

Tools

Microsoft Office Applications

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.

Location

• This position will be located in our office in San Angelo, Texas.

Education Requirement

• Bachelor’s degree in Finance, Business Administration, Ag Economics, Ag Business or related field, or experience deemed equivalent by Capital Farm Credit.

Job Requirements

• Three 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.
• Outstanding business development skills complemented with appropriate credit knowledge for the purpose of growing portfolio with quality loans.
• Exceptional customer service skills to support business development initiatives.
• Ability to assess risk and provide recommendations on approval of commercial or real‑estate loans.
• Good standing in current and/or previous employment.

  Functions

  • Responsible for developing new business in the assigned office in addition to servicing existing, 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 recommendation for approval or rejection. Works with other Association personnel including credit analysts on 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 borrowers 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, reamortizations, 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 policies and regulations.

  Preferred Skills

  • Excellent verbal and written communication skills
  • Basic to moderate skill set in Microsoft Office Applications
  • General knowledge of accounting and financial systems
  • Ability to perform intermediate level accounting and financial analysis under moderate supervision

  At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request

  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.