Portfolio Analyst I - Denton Credit Office

AgTrust Farm Credit•Denton, TX

About The Position

At AgTrust Farm Credit , we're more than a financial institution, we're a mission‑driven organization dedicated to supporting agriculture and rural communities. We're seeking a Portfolio Analyst I to join our Denton Credit Office and play a key role in portfolio risk management, credit analysis, and regulatory compliance. This position is ideal for finance or accounting professional looking to build a strong foundation in credit, risk, and regulatory‑focused portfolio management while working alongside experienced lending and credit leaders. What You'll Do As a Portfolio Analyst I, you will support the safety, soundness, and compliance of the loan portfolio while gaining hands‑on experience with sophisticated credit analysis and risk management practices. Analyze loan portfolio performance, credit quality, and compliance with internal policy and regulatory standards Monitor large loan portfolios exceeding $500MM , identifying emerging risks, covenant compliance issues, delinquencies, collateral coverage gaps, and early warning indicators Assist with portfolio‑level risk analysis and stress testing using Loan Analytics and other approved risk management tools Spread and analyze borrower financial statements, tax returns, and cash flow reports in accordance with established credit standards Perform global cash flow analysis, repayment capacity assessments, and sensitivity analysis to evaluate credit risk Support credit decision‑making by assisting with credit memorandums, renewals, modifications, and annual loan reviews Maintain accurate, audit‑ready portfolio data and generate recurring risk and management reports Partner with Relationship Managers to provide analytical insights and support borrower reviews and presentations Assist with internal and external audits, loan reviews, and regulatory examinations by providing complete and accurate documentation What We're Looking For Bachelor's degree in Business Administration, Finance, Accounting, or a related field 0–2 years of experience in lending, credit analysis, audit, or financial analysis Foundational knowledge of financial analysis, accounting principles, and credit fundamentals Familiarity with Federal, State, and Farm Credit Administration (FCA) regulations Strong analytical, mathematical, and problem‑solving skills Working knowledge of Microsoft Excel, Word, and Outlook Clear and professional written and verbal communication skills Strong attention to detail with the ability to manage confidential information responsibly Collaborative mindset with a willingness to learn, grow, and get feedback Comfortable working with moderate supervision in a dynamic, regulated environment Willingness to travel occasionally Why AgTrust At AgTrust Farm Credit , we offer more than a job, we offer a career with purpose. You'll contribute to sound lending practices while supporting agriculture and rural communities, all within a stable and value-driven organization. Competitive pay + PSP bonus Medical, dental, vision, and prescription coverage Company‑paid life, AD&D, and long‑term disability 401(k) with generous match Paid vacation, sick leave, and parental leave Wellness program and professional development opportunities Ready to build a career with a mission‑driven organization? Apply today! Some legal language: At the discretion of AgTrust Farm Credit, this position may be offered at an alternate title. In addition, other business experience may be considered relevant. AgTrust, ACA is an Equal Opportunity / Affirmative 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, genetic information, or any other legally protected status. Persons with disabilities who require accommodation to complete the application process should contact AgTrust Human Resources at (817) 288-1599. AA/EOE/M/F/D/V

Requirements

Bachelor's degree in Business Administration, Finance, Accounting, or a related field
0–2 years of experience in lending, credit analysis, audit, or financial analysis
Foundational knowledge of financial analysis, accounting principles, and credit fundamentals
Familiarity with Federal, State, and Farm Credit Administration (FCA) regulations
Strong analytical, mathematical, and problem‑solving skills
Working knowledge of Microsoft Excel, Word, and Outlook
Clear and professional written and verbal communication skills
Strong attention to detail with the ability to manage confidential information responsibly
Collaborative mindset with a willingness to learn, grow, and get feedback
Comfortable working with moderate supervision in a dynamic, regulated environment
Willingness to travel occasionally

Responsibilities

Analyze loan portfolio performance, credit quality, and compliance with internal policy and regulatory standards
Monitor large loan portfolios exceeding $500MM , identifying emerging risks, covenant compliance issues, delinquencies, collateral coverage gaps, and early warning indicators
Assist with portfolio‑level risk analysis and stress testing using Loan Analytics and other approved risk management tools
Spread and analyze borrower financial statements, tax returns, and cash flow reports in accordance with established credit standards
Perform global cash flow analysis, repayment capacity assessments, and sensitivity analysis to evaluate credit risk
Support credit decision‑making by assisting with credit memorandums, renewals, modifications, and annual loan reviews
Maintain accurate, audit-ready portfolio data and generate recurring risk and management reports
Partner with Relationship Managers to provide analytical insights and support borrower reviews and presentations
Assist with internal and external audits, loan reviews, and regulatory examinations by providing complete and accurate documentation