Risk Analyst I

AgTexas Farm Credit; Lubbock (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

AgTexas Farm Credit Services in Lubbock, TX is seeking a Risk Analyst I to support loan structuring and credit administration for agribusiness credits. The role requires working with management to ensure prudent credit practices and adherence to underwriting standards.

The position may be offered with a different title based on qualifications. Salary is negotiable depending on experience and is complemented by collaborative team opportunities and exposure to diverse ag-related lending activities.

Qualifications

• Bachelor's degree in accounting, finance, agricultural business/economics, business administration, or related field; or equivalent experience.
• Three or more years of experience in credit administration.
• Strong organizational, analytical, and communication skills; ability to manage multiple priorities and meet deadlines.
• Proficiency in Microsoft Office applications (Excel, Word, Outlook) and general computer operations.

Responsibilities

• Administers credit administration tracker to ensure compliance with underwriting standards and loan covenants.
• Queries loan file repository for items satisfying outstanding covenants.
• Reviews loan files to interpret ongoing credit administration requirements and cure conflicts with policy/regulatory requirements.
• Identifies trends indicating policy/process improvements for efficiency and accuracy.
• Assists with application of policy, procedure, and regulatory requirements by Credit and Lending staff.
• Assists management with development of new initiatives, policies, or procedures.
• Supports distressed loan program administration and prepares reports for Executive Management and Board.

Skills

Loan structuring

Loan participation

Credit administration

Analytical skills

Communication

MS Office

Education

Bachelor's degree in accounting/finance/business

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Job description

Company Profile

AgTexas Farm Credit Services serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average volume of approximately $3.2 billion. The lending portfolio consists of cotton, livestock, dairy, feed grains, real estate, and ag-related business loans. Additionally, the association territory provides diversity in production and mortgage loans as well as commodities financed. Without strong financial backing farmers and ranchers will not survive, and people will not have food to eat or clothes to wear. AgTexas provides reliable credit and crop insurance to our member-owners, so they can feed and clothe the world.

Position

The Risk Analyst I position is located in Lubbock, TX with a salary that is negotiable depending upon experience. This position requires knowledge in loan structuring of agribusiness credits, loan participation/syndications and the ability to work with management and staff to ensure prudent credit administration practices are followed.

AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate.

Minimum Education And Experience

Bachelor's degree in accounting, finance, agricultural business/economics, business administration, or a related field or equivalent experience and three (3) or more years of experience in credit administration. Strong organizational, analytical, and communication skills required, with the ability to manage multiple priorities and meet deadlines. Must demonstrate sound judgment and exceptional attention to detail. Proficiency in Microsoft Office applications (Excel, Word, Outlook) and general computer operations is essential.

Responsibilities

• Administers Association-wide credit administration tracker which assists in compliance with Association procedures (underwriting standards, etc.) as well as performance on loan covenants.
• Queries Association electronic loan file repository for items that satisfy outstanding credit administration covenants.
• Reviews relevant loan files and documents to interpret ongoing credit administration requirements. Works with appropriate staff to cure any errors or conflicts with Association policy and procedure or regulatory requirements.
• Assists Management in identifying trends and patterns that indicate a breakdown in policy and procedure or opportunities to refine processes for efficiency and accuracy.
• Assists Credit and Lending and other relevant staff with appropriate application of Association policy and procedure as well as relevant regulatory requirements.
• Assists Management with development of new initiatives, policies, or procedures.
• Assists Credit and Lending staff with the administration of the Association's distressed loan program.
• Prepares reports utilized by Executive Management and the Association's board.

Working Relationships

Frequent interaction with customers, Agribusiness, and Association departmental staff and management. Occasional interaction with Farm Credit Bank of Texas staff and loan participants. Occasional interaction with area professionals including real estate agents, commercial bankers, title companies, appraisers and others who deal with the Association in the normal course of business.

EOE/AA/M/F/D/V

AgTexas FCS is an Equal Opportunity / Affirmitive Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, national origin, protected veteran status, sexual orientation, gender identity or genetic information.

Persons with disabilities who require an accommodation to complete the application process should call our Lubbock office at [phone] and ask to speak to one of our HR representatives to request accommodation in the application process.