Relationship Manager III

Capital Farm Credit; Lockhart (TX); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Incentive program

Accrued time off (13 days PTO, 15 sick

Holidays 10-12

401(k) with employer match

Health coverage

Parental leave

Life & disability insurance

Tuition reimbursement

Wellness reimbursement

Job summary

Capital Farm Credit in Texas seeks a Mortgage Loan Officer/Relationship Manager to grow and manage commercial and real estate lending relationships. You will analyze credit, originate loans, and implement sales strategies to expand the portfolio in the association's trade area.

The role requires a Bachelor’s degree and 5+ years of banking or agricultural lending experience, with NMLS registration. This full-time position offers competitive pay and a comprehensive benefits package.

Qualifications

• Bachelor’s degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.
• 5+ years of progressively responsible banking or related agricultural lending experience.
• Registration required as a Mortgage Loan Officer under the National Mortgage Licensing System.

Responsibilities

• Manage and maintain relationships and seek new accounts with the ability to manage large and complex accounts and credit evaluations.
• Recommends or approves loans in assigned territory within delegated authority.
• Develop loan portfolios, including originations, in the trade area served by the association.
• Designs and implements sales strategies for complex customers to increase client satisfaction and portfolio growth.
• Assists in training less senior relationship managers and credit personnel.
• Operates with considerable decision-making latitude under minimal supervision.

Skills

Rapport building

High-pressure environments

Communication skills

Accounting & finance

Finance principles

MS Office

Financial analysis

Education

Bachelor's degree in business / finance / ag economics

Tools

NMLS 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 & 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 business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.
• 5 or more years of progressively responsible banking or related agricultural lending experience, 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 relationships and seeks new accounts with the ability to manage large and complex accounts and credit evaluations.
• Recommends or approves loans in assigned territory within delegated authority.
• Develops and manages loan portfolios, including originations, in the trade area served by the association.
• Designs and implements sales strategies for complex customers to increase client satisfaction and portfolio growth.
• Assists in training less senior relationship managers and credit personnel.
• Operates with considerable decision-making latitude under minimal supervision.

Functions

• Develops 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.
• Collaborates with credit analysts on loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners, and community business leaders. 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 offers other related services such as cash management products and crop insurance.
• Makes and/or conveys decisions on loan approval, structure, and pricing.
• Exercises 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 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, 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 policies and regulations.
• May perform appraisals, inspections and/or collateral evaluations in compliance with District and Association standards and procedures. May assist with or attend public relations functions for the Association.

Required Skills

• Ability to build rapport and represent the Association effectively
• Capable of operating in high-pressure environments with complex, high-profile clients
• Outstanding written and verbal communication skills
• General accounting and financial system knowledge
• Specialized understanding of finance/accounting principles
• Basic proficiency in Microsoft Office
• Ability to perform financial analyses with 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.