Lead Credit Officer

Farm Credit Services of America•Austin, TX

19d•Hybrid

About The Position

The primary responsibility of this role is to lead a team of credit officers in managing a designated portfolio of accounts. This includes providing guidance, training, mentorship, and oversight to ensure quality and consistency in credit analysis. In addition to leadership duties, the role requires maintaining an individual portfolio and performing underwriting for assigned transactions. The position will assist the Directors in the analysis, servicing, and reporting of the bank’s loan participations. It will also require the individual to develop industry and peer group analysis, portfolio analysis, and complete other special projects as assigned.

Requirements

This position requires skill and knowledge in credit administration, financial analysis, the use of various loan analysis software programs, accounting standards, credit policies and procedures, as well as program and product development.
Excellent computer, interpersonal, public speaking and communication skills are required.
A thorough knowledge is required of financial statement analysis, forecasting models, cash flow budgets, collateral analysis, appraisal standards and payment performance in the areas of agriculture production loans, mortgage loans and commercial credits.
Must be able to accurately identify, measure and manage risk in loans, loan portfolios and direct loans.
This position will require time management skills with travel up to 25 percent.
Position requires a Bachelor’s Degree in agriculture economics, finance, business administration or other related business field or commensurate experience and seven (7) or more years’ experience in all facets of lending including the marketing, extension, administration and analysis of commercial credits and agriculture production loans.
The incumbent should have experience and knowledge in the analysis of complex credits, as well as negotiating and dealing with large loans over $5 million.
The incumbent should have experience working with management and senior loan officers of other financial institutions in the structuring and evaluating of official loans, excess loans (above delegated authorities), loan participations and analysis of direct loan/correspondent lending relationships.

Responsibilities

Leads team of credit officers within a vertical, ensuring management of workflow.
Serve as a trainer/mentor to develop credit skills of officers.
Collaborates effectively with the Lending Team on deal flights, underwriting, and preparation for Loan Committee to ensure comprehensive analysis and timely execution.
Performs financial analysis, credit administration, monitoring and due diligence as necessary on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders.
Maintains an understanding of industries and credits within the assigned portfolio, monitoring trends and identifying at-risk credits to proactively monitor risk.
Interprets, communicates, and provides guidance to associations regarding sound lending practices.
Interprets and acts upon various legal, title and other questions which may arise on loans.
Assists in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations.
Assists in the development and closing of complex loans by assisting with analysis and negotiation of such credits.
Development of loan participation and correspondent banking relationships with other lenders.
The incumbent will manage complex loan relationships as directed by supervisor, SVP Credit Analysis
Assists other bank personnel in completing coordinated projects as assigned.

Benefits

Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution
Long-term disability and life insurance
Vacation leave, sick leave, and paid holidays
Fertility benefit and parental leave plan
Up to two days per year to volunteer in local community organizations, services, or events
Ongoing professional-development opportunities
Generous tuition-reimbursement program
Physical fitness incentive plan
Employer matching gifts program