Resolution Analyst

Capital Farm Credit • College Station, TX

10h

About The Position

The Credit Resolution Analyst supports the monitoring and servicing of a portfolio of high-risk loans assigned to the Credit Resolution Group (CRG), primarily focused on accounts in collection or liquidation. Under close supervision, the analyst assists lending staff with loan servicing activities, financial analysis, and coordination of inspections or evaluations to assess risk. This role involves working with small to mid-size loans of moderate complexity, while developing proficiency in handling more advanced accounts through collaboration with senior team members.

The analyst helps prepare and send formal correspondence, such as restructuring notices and demand letters, and maintains accurate records of loan activity. Monitoring loans 30 days or more past due and contacting past due borrowers to assess financial condition and identify signs of distress. If hardship is confirmed, they assist in initiating the restructuring process in accordance with Association policy.

Additional responsibilities include supporting financial reviews of borrower documents, assisting with collection plans, and contributing to recommendations for asset disposition. The analyst interacts regularly with regional lending personnel, legal counsel, and external vendors to support the administration and resolution of managed assets. Over time, the analyst builds experience, judgment, and creativity in managing assigned accounts within established guidelines.

Requirements

• Bachelor's degree in business administration, Finance, or a related field, or equivalent experience and 1-3 years of experience in banking or related agricultural lending experience, the administration and analysis of credits on commercial and mortgage loans, and experience in structuring and evaluating credit relationships.
• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Specialized knowledge of loan term negotiation, accounting standards, banking regulations, operations, and credit practices.
• Skill in financial analysis of general commercial credits.
• Skills in oral and written communication.
• Basic skill level in the use of various loan analysis software programs.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

Responsibilities

• Supports lending staff, legal counsel, and management in executing action plans for resolving distressed credits, under supervision.
• Assists with collection activities, including preparing distress restructuring notices, demand letters, and related documentation such as distressed loan restructuring plans or forbearance agreements.
• Reviews borrower financials to help inform credit decisions and support resolution strategies, with guidance from senior staff.
• Participates in collection and liquidation efforts, ensuring actions comply with regulations and borrower rights.
• Provides input on loan structure and risk management under direction from more experienced team members.
• May assist in recommending auction reserves or foreclosure bids within delegated authority, under supervision.
• Helps manage distressed loans by supporting borrower engagement, restructuring efforts, and resolution planning.
• Contributes to the preparation of allowance reports and collection plans, with oversight.
• Monitors and documents loan comments for accounts 30 days or more past due and submits updates to management on acquired property and selected special assets.
• Contacts past due borrowers to assess financial condition and initiate restructuring when appropriate, following established procedures.
• Collaborates with relationship managers and credit analysts to support development of restructuring plans or forbearance agreements.
• May serve as a secondary contact for borrowers and assist lenders in implementing credit strategies.
• Supports bankruptcy case management in coordination with external legal counsel and internal teams, under supervision.
• Under supervision, manages non-earning and distressed loans within the assigned portfolio in accordance with Association policies, working directly with borrowers to pursue restructuring, financial counseling, or resolution strategies. If recovery is not feasible, prepares loans for exit through appropriate disposition channels.

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: Entry Level