Loan Officer

Central Texas Farm Credit•Haskell, TX

8h•$55,000

About The Position

Central Texas Farm Credit is seeking a relationship-driven Loan Officer to support agriculture and rural communities through trusted, personalized lending. In this role, you’ll be part of a collaborative, customer-focused team that blends sales expertise, sound credit judgment, and active community engagement to deliver meaningful financial solutions to our customer-owners. Company Profile: Central Texas Farm Credit is a full-service agricultural lender covering 20 counties in Central Texas with branch offices located in Brady, Brownwood, Coleman, Comanche, Haskell, San Angelo, and San Saba. We also have an administrative office located in Abilene. We have approximately $800 million in total assets which consists primarily of loans for livestock, crops and real estate. Central Texas Farm Credit is a member-owned cooperative that is well-capitalized with consistently strong earnings and credit quality. We have been a reliable source of credit to the farmers and ranchers of central Texas for over 100 years.

Requirements

Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field (or equivalent experience).
Two (2) or more years of experience as a loan officer or loan officer trainee.
Agricultural lending experience (livestock, crops, and/or rural real estate).
Sales track record with strong community relationships in the trade area.
Ability to analyze financial statements and communicate credit recommendations clearly.
Knowledge of loan documentation, collateral perfection, and closing processes.
Valid driver’s license and ability to travel within the assigned territory.

Responsibilities

Develop and grow new and existing business within the assigned territory through relationship-based selling and community involvement.
Consult with prospective and current borrowers to understand needs, recommend appropriate credit solutions, and resolve credit-related issues.
Originate, structure, and service loans within delegated authority and in accordance with association policies and procedures.
Support association credit administration and documentation standards
Perform credit analysis (balance sheets, income statements, cash flows) to assess creditworthiness
Maintain current, accurate, and verified financial information on borrowers and guarantors.
Manage portfolio risk by ensuring timely and accurate risk rating identification, loss given default assignments, and performance status updates.
Perform collection activities on assigned portfolio and work with borrowers to improve delinquent loan performance.
Monitor collateral requirements, including insurance coverage and ad valorem taxes, to protect the association’s security position.
Facilitate loan closings and guide customers through execution of closing packages; assist with title review and lien validation, when needed.