VP Credit Approval

Capital Farm Credit • Round Rock, TX

1d

About The Position

The Vice President of Credit Approval plays a critical role in evaluating and approving complex credit requests within delegated authority, while providing strategic recommendations on larger transactions. This position ensures that credit decisions are both sound and aligned with business objectives, balancing risk management with regulatory compliance and internal policy standards. The VP partners closely with lending teams, credit analysts, and senior leadership to promote consistent underwriting practices, maintain effective portfolio oversight, and shape the development of credit standards. The role carries considerable latitude for independent decision-making, operating with minimal oversight to ensure timely and effective credit decisions. Additionally, the VP provides leadership to credit staff, drives the implementation of credit policies, and mentors team members to elevate credit expertise across the organization.

Requirements

• Bachelor’s degree in Finance, Business, Accounting, or a related field, or experience deemed equivalent by Capital Farm Credit.
• Candidates should have 10+ years of progressive experience in credit and/or lending, including time in a senior decision making capacity.
• Previous experience should include commercial, agricultural, and capital markets lending, along with a strong foundation in credit analysis, portfolio management, and regulatory compliance.
• Proven expertise in evaluating complex credit requests, structuring and monitoring largescale loans, and ensuring compliance with internal policies and external regulations is essential.
• The ideal candidate will demonstrate the ability to develop and implement credit policies and risk management strategies, as well as mentor staff and collaborate with senior leadership to align credit decisions with organizational goals.
• High proficiency in both oral and written communication is required.
• Strong knowledge of credit analysis, underwriting principles, and risk management practices.
• Ability to evaluate complex financial statements and make sound credit decisions within delegated authority.
• Solid understanding of regulatory requirements and compliance standards related to credit approval.
• Effective leadership and team management skills, with the ability to mentor and develop staff.
• Strong analytical, problem-solving, and decision-making abilities.
• Excellent verbal and written communication skills, with the ability to present credit recommendations clearly to management and committees.
• Collaborative mindset with the ability to work effectively across lending, risk, compliance, and senior leadership teams.
• High attention to detail and accuracy in credit assessments and documentation.
• Flexibility to adapt to changing business needs, credit environments, and regulatory expectations.

Responsibilities

• Reviews and approves complex credit requests within delegated authority, ensuring alignment with credit standards, policies, and regulatory requirements.
• Provides recommendations to senior leadership on credit requests that exceed delegated authority.
• Partners with lending staff and credit analysts to structure credit facilities that balance customer needs with sound risk management practices.
• Assists in monitoring credit portfolio performance, identifying emerging risks or trends, and escalating issues as appropriate.
• Contributes to the development and implementation of credit policies, underwriting standards, and procedures to ensure consistency and compliance across the organization.
• Mentors and supports credit approvers and analysts, helping to strengthen skills and promote professional growth.
• Collaborates with senior management, risk, and compliance teams to ensure credit strategies align with business objectives and regulatory standards.
• Participates in loan committees and working groups as needed, providing expertise and perspective on credit approval matters.
• Assists in preparing reports and presenting credit-related findings and recommendations to management.
• Participates in loan committee for large and complex loans to approve and assist in developing sound credit facilities and credit administration for large commercial, participations/syndications, and retail accounts.

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