Job Description

COMPANY PROFILE:

AgTexas Farm Credit Services serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average loan volume of approximately $2.85 billion, with total assets equaling $3.2 billion. lending portfolio consists of cotton, livestock, dairy, feed grains, real estate, and ag-related business loans. Additionally, the association territory provides diversity in production and mortgage loans as well as commodities financed. Without strong financial backing farmers and ranchers will not survive, and people will not have food to eat or clothes to wear. AgTexas provides reliable credit and crop insurance to our member-owners, so they can feed and clothe the world.

POSITION:

The Credit Officer Associate position has a location and salary that is negotiable depending upon experience. Assists loan officers in the analysis, servicing and reporting of mortgage and commercial loans. Works with lending staff in the development of appropriate credit decisions, including approval or denial of loans within personal delegated authority. Analyzes financial information including balance sheets, income statements, cash flow and tax returns.

*AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate.

MINIMUM EDUCATION AND EXPERIENCE:

Bachelor's degree in business administration, finance, agricultural economics, or a related field. Related experience in the administration and analysis of commercial and mortgage loans including risk assessments and recommendations on approval of loan applications and a basic understanding of lending regulations, credit operations, and credit practices is preferred.

KEY REQUIREMENTS:

Ideal candidate will possess a general knowledge of accounting and financial systems. General knowledge of accounting and finance principles is preferred. Ability to perform basic accounting/financial analyses under moderate supervision. A working knowledge of personal computers is essential including proficiency with Microsoft Office software. Good interpersonal skills and excellent oral and written communications skills are required.

KEY RESPONSIBILITES:

• Provides analysis, servicing and reporting of the association's mortgage and commercial loans. Works with complex loans and loan participation packages.
• Analyzes financial information including balance sheets, income statements, cash flow and tax returns to ascertain credit worthiness.
• Determines probability of default ratings and makes recommendations for approval or denial of loans within delegated authority.
• Complies with proper credit administration practices as outlined by policy and procedure.
• Assists senior-level credit officers with complex loan applications as necessary.
• Assists with formulating solutions to credit related issues.
• Makes and/or conveys decisions on loan approval, structure, and pricing.
• Responsible for exercising credit risk management responsibilities on loans within area of responsibility.

WORKING RELATIONSHIPS:

Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management, CEO, and/or board of directors. Occasional interaction with Farm Credit Bank of Texas staff. Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the association in the normal course of business.

EOE/AA/M/F/D/V

AgTexas FCS 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 or genetic information.

Persons with disabilities who require an accommodation to complete the application process should call our Lubbock office at (806) 745-4575 and ask to speak to one of our HR representatives to request accommodation in the application process.