Credit Officer
Company: AgTexas Farm Credit Services
Location: Amarillo
Posted on: May 14, 2022
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Job Description:
Job Description COMPANY PROFILE: AgTexas Farm Credit Services is
dedicated to the prosperity of agriculture and rural America. The
association 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 volume of approximately $2.3 billion. The 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. The Amarillo office has $456 million in
direct loans to 280 members consisting primarily of cotton, corn,
wheat, forage, livestock, feedlot and agribusiness loans. POSITION:
The Credit Officer position is located in Amarillo, TX with a
salary that is negotiable, depending upon experience. This position
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 Finance, Business Administration or a related
field, or equivalent experience and two (2) or more years of
experience in the administration and analysis of commercial and
mortgage loans including risk assessments and recommendations on
approval of loan applications. Specialized knowledge of
accounting/financing principals. Intermediate skill level in
Microsoft Office applications. Strong skill in oral and written
communication. Ability to perform intermediate level
accounting/financial analyses under moderate supervision.
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, Agribusiness, and Association departmental staff and
management. Occasional interaction with Farm Credit Bank of Texas
staff. Occasional interaction with area professionals including
real estate agents, commercial bankers, and others who deal with
the Association in the normal course of business. EOE/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. Job Posted by ApplicantPro
Keywords: AgTexas Farm Credit Services, Amarillo , Credit Officer, Other , Amarillo, Texas
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