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Credit Officer

Company: AgTexas Farm Credit Services
Location: Amarillo
Posted on: August 6, 2022

Job Description:

Job DescriptionCOMPANY 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/VAgTexas 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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