SAG Relationship Officer II

Capital Farm Credit; College Station (TX); On-site; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a dedicated lending specialist with a strong background in credit analysis and agricultural finance. This role offers the opportunity to work closely with customers, providing tailored solutions to complex financial situations. You will manage a diverse portfolio, ensuring compliance and optimizing loan performance while contributing to the financial health of rural communities. Join a supportive team that values commitment and trust, where your expertise will help shape the future of agriculture financing.

Benefits

Incentive Program

Accrued Time Off

401(k) with employer match

Health Coverage

Parental Leave

Life & Disability Insurance

Tuition Reimbursement

Wellness Expenses Coverage

Qualifications

• 8+ years of lending/credit analysis experience required.
• Experience with Farm Credit System borrowers preferred.

Responsibilities

• Manage portfolio to prevent loans from entering special classification.
• Analyze customer financial statements and provide solutions.

Skills

Lending/Credit Analysis

Negotiation Skills

Communication Skills

Financial Analysis

Judgment and Decisiveness

Education

Bachelor's degree in Business Administration

Bachelor's degree in Ag Business

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Economics

Tools

Credit Risk Assessment Software

Financial Analysis Tools

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.

LOCATION:

• This position may be located in the Capital Farm Credit office locations in College Station, Texas or Round Rock, Texas.

EDUCATION REQUIREMENT:

• Bachelor's degree in business administration, Ag Business, Ag Economics, Finance, Accounting or Economics.

JOB REQUIREMENTS:

• Eight (8) or more years of lending/credit analysis experience, to include experience in the full economic cycle of agriculture.
• Farm Credit System or experience in a related agricultural credit organization preferred along with experience with Farm Credit System borrowers’ rights and loan litigation.

FUNCTIONS:

• Serves as a specialized resource focused on “criticized volume” not assigned to the Special Asset Group (SAG) exhibiting a strong level of patience and creativity to arrive at suitable solutions. Will act as a key influencer with customers and/or lenders and work with credit analysts in assigned area to address customer situations in or approaching OAEM status. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks for a variety of loans to include large and complex accounts.
• May serve as a primary customer contact and work with a lender behind the scenes to establish the proper approach.
• Manage assigned portfolio in accordance with Associations’ policies and procedures resulting in the greatest net return/best business decision. Work towards designated account retention and returning accounts to viable account status levels. Primary responsibility is prevention of loans entering special classification and reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed relationships. Analyze customer financial statements, including balance sheets, trend analysis, income statements, cash flows, collateral analysis, and performance reconciliation.
• Serves as primary compliance officer on assigned loans and ensures the Association is within compliance with settlement laws and procedures. Contributes to the achievement of satisfactory Association credit administration and credit quality goals in assigned portfolio through building consensus of involved parties.
• Monitors loan performance on assigned portfolio. Provides timely, efficient service to all internal and external customers to ensure completion of follow-up actions of loan servicing plan.
• Primary responsibility for obtaining the necessary customer data through reports and systems by working with members of the Deal Team. Design innovative credit packages to meet customer and prospect needs. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions to manage credit risk. Incumbents will communicate with customers and internal less experienced team members in lay terms and follow through to hold customer accountable for agreed upon actions and steps.

PREFERRED SKILLS:

• Strong, diverse industry knowledge and ability to understand a wide variety of farming and ranching operations.
• Strong Credit experience to devise best options for refinancing/restructuring loans.
• Excellent skills in judgment, decisiveness, analysis, and ability to appropriately respond and react quickly as situations dictate.
• Excellent communications (both oral and written) and interpersonal skills especially during difficult conversations.
• Excellent negotiating and influencing skills.
• Ability to maintain professional composure in high stress and complex situations and hold individuals internal and external to the Associations’ accountable for agreed upon courses of action.
• Strong organizational skills.
• A general working knowledge of Associations’ processes.
• Comprehensive understanding of credit extension and loan administration.
• Comprehensive knowledge of Capital’s financial products and services.
• In-depth understanding of agricultural finance and farm production methods, products, and profitability.
• In-depth knowledge of FCA regulations and our Associations’ policies.
• Maintains current awareness of social, economic, governmental, and environmental forces impacting agriculture.
• Knowledge of and ability to use applicable computer systems and databases.
• Ability to interpret policy, programs, and regulations.

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.

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