Sr Loan Officer

Central Texas Farm Credit•Comanche, TX

2d•Hybrid

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. This position will support both our Comanche and Early branch offices which serve Brown, Comanche, and Mills counties.

Requirements

Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field (or equivalent experience).
Three (3) or more years of experience as a loan officer.
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

Develops and manages loan portfolios including loan originations in the trade area served by the association. Works with complex loans and loan participation packages.
Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
Makes and services loans and leases 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.
Conducts complex credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required by association policy.
Performs loan servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.
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.
Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance.
Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security.
May assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. Prepares loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.