Credit Officer Associate

AgTexas Farm Credit Services • Burleson, TX

2d

About The Position

The Credit Officer Associate position has a location and salary that is negotiable depending upon experience. Assists loan officers in the analysis, servicing and reporting of mortgage and commercial loans. Works with lending staff in the development of appropriate credit decisions, including approval or denial of loans within personal delegated authority. Analyzes financial information including balance sheets, income statements, cash flow and tax returns. AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate.

Requirements

• Bachelor's degree in business administration, finance, agricultural economics, or a related field.
• Related experience in the administration and analysis of commercial and mortgage loans including risk assessments and recommendations on approval of loan applications.
• A basic understanding of lending regulations, credit operations, and credit practices is preferred.
• General knowledge of accounting and financial systems is preferred.
• General knowledge of accounting and finance principles is preferred.
• Ability to perform basic accounting/financial analyses under moderate supervision.
• A working knowledge of personal computers is essential including proficiency with Microsoft Office software.
• Good interpersonal skills and excellent oral and written communications skills are required.

Responsibilities

• Provides analysis, servicing and reporting of the association's mortgage and commercial loans.
• Works with complex loans and loan participation packages.
• Analyzes financial information including balance sheets, income statements, cash flow and tax returns to ascertain credit worthiness.
• Determines probability of default ratings and makes recommendations for approval or denial of loans within delegated authority.
• Complies with proper credit administration practices as outlined by policy and procedure.
• Assists senior-level credit officers with complex loan applications as necessary.
• Assists with formulating solutions to credit related issues.
• Makes and/or conveys decisions on loan approval, structure, and pricing.
• Responsible for exercising credit risk management responsibilities on loans within area of responsibility.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level