Relationship Manager I

Capital Farm Credit • San Angelo, TX

21h • Onsite

About The Position

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. 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. This position will be located in our credit office in San Angelo, Texas. This position may be filled as Relationship Manager I or Relationship Manager II, depending on the selected candidate’s experience and qualifications. Manages and maintains current relationships and seeks new accounts. Recommends or approves loans in assigned territory within the limits of specific delegated authority. Develops and manages loan portfolios including loan originations in the trade area served by the association. Develops and implements sales strategies in order to increase client satisfaction and loan portfolio growth. Has some latitude for decision making; works under moderate supervision.

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, loan officer associate, or commensurate work experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Strong communication and customer service skills to support business development initiatives.
• Ability to perform basic to intermediate financial and credit analysis under moderate supervision.
• General knowledge of accounting and financial systems.
• Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System.
• Ability to work well with and engage people on a continual basis as a representative of the Association to build good will and rapport.
• Strong communication skills.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

Responsibilities

• Responsible for developing new business in the assigned office in addition to servicing exiting, commercial and real estate customers.
• Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection. Works with other Association personnel including credit analysts’ ln loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities. Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure, and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities. Secures background and credit history on new loans, repeat loans and renewals. Provides for evaluation of loan collateral in accordance with association policies and procedures. Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in complex credit analyses. Reviews balance sheets, income statements and cash flows of potential borrows to ascertain creditworthiness. Works with credit analysts on loans in process and maintains current, adequate, and verified financial information on borrowers and guarantors as required by Association.
• Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Assists staff and management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA polices and regulations.
• May perform appraisals, inspections and/or collateral evaluations in compliance with district and Association standards and procedures.

Benefits

• 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 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees