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Credit Bank Jobs (NOW HIRING)

AgFirst Farm Credit Bank

Senior Auditor

Columbia, SC · On-site

$74K - $92K/yr

Maintain awareness of developments in professional auditing standards, Farm Credit System regulations and trends, bank operations, and information technology. * Interact with external auditors and ...

Farm Credit Bank

Sr HR Business Partner

Austin, TX

Farm Credit Bank of Texas is a $42.2 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services ...

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How much do credit bank jobs pay per hour?

As of Jul 8, 2026, the average hourly pay for credit bank in the United States is $20.43, according to ZipRecruiter salary data. Most workers in this role earn between $18.27 and $22.36 per hour, depending on experience, location, and employer.

What is the difference between Credit Bank vs Loan Officer?

AspectCredit BankLoan Officer
CredentialsBanking certifications, finance degreesFinance or banking background, certifications optional
Work EnvironmentBank branches, corporate officesBank branches, client meetings, remote options
Industry UsageFinancial institutions, banksFinancial institutions, banks, lending companies
Job FocusAssessing creditworthiness of clientsEvaluating loan applications and client needs

While both Credit Bank and Loan Officer roles are integral to banking, Credit Bank professionals primarily focus on assessing creditworthiness and managing credit portfolios, often within a bank's credit department. Loan Officers, on the other hand, concentrate on evaluating and approving individual loan applications. Both roles require financial knowledge, but their daily tasks and focus areas differ slightly, making them distinct yet related positions within the banking industry.

What are Credit Bank jobs?

Credit Bank jobs refer to roles within banks or financial institutions that focus on lending, credit assessment, and risk management. These positions may include credit analysts, loan officers, relationship managers, and credit risk managers. Professionals in these roles evaluate loan applications, analyze borrowers’ financial information, set credit limits, and ensure compliance with banking regulations. They play a crucial part in helping individuals and businesses access financing while managing the bank’s exposure to risk.

What are the main challenges faced by professionals working in credit roles at a bank, and how can they overcome them?

Professionals in credit roles at banks often face challenges such as accurately assessing credit risk, managing a diverse portfolio of clients, and staying updated with regulatory changes. They must balance the need for profitable lending with prudent risk management, which can be complex in fluctuating economic conditions. Overcoming these challenges typically involves continuous learning, close collaboration with relationship managers, and leveraging data analysis tools to make informed decisions. Building strong communication skills and staying proactive with market trends also help credit professionals succeed and advance within the institution.

What are the key skills and qualifications needed to thrive as a Credit Analyst in a bank, and why are they important?

To thrive as a Credit Analyst in a bank, you need strong analytical skills, financial modeling expertise, and a background in finance, accounting, or economics, often supported by a relevant degree. Familiarity with tools like Microsoft Excel, credit risk assessment software, and sometimes certifications such as CFA or FRM are typically required. Attention to detail, effective communication, and sound judgment are important soft skills for evaluating clients and presenting findings clearly. These skills ensure accurate risk assessments and support sound lending decisions, which are critical to the bank's financial stability.
What are the most commonly searched types of Credit Bank jobs? The most popular types of Credit Bank jobs are:
What states have the most Credit Bank jobs? States with the most job openings for Credit Bank jobs include:
Credit Bank jobs near you
Infographic showing various Credit Bank job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $42,501 per year, or $20.4 per hour.
Senior Debt, Investments & Derivatives Accountant

Senior Debt, Investments & Derivatives Accountant

Farm Credit Bank of Texas

Austin, TX • On-site

$73K - $92K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 14 days ago

Job description


Who we are:
Farm Credit Bank of Texas is a $42.2 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in the nation's capital markets.
While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply, an industry which is one of the most innovative and evolving of our time. And while you help us deliver on our mission, we deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive workplace located along the bluffs of the Colorado River just minutes west of downtown Austin.
We seek out top talent in their fields, whether it be technology, finance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world.
Position Description:
The Senior Debt & Investments Analyst is responsible for supporting the accounting, analysis, reporting, and control activities related to the Bank's debt, investment, derivative, and other off-balance-sheet portfolios. This role maintains activity within the Bank's debt, investment, and derivative accounting system; supports monthly close and quarterly and annual reporting; and helps ensure transactions are accounted for accurately and in accordance with applicable accounting guidance, internal controls, and reporting requirements.
This position requires a strong accounting foundation, sound analytical judgment, and the intellectual curiosity to understand complex financial instruments, related accounting treatment, and the systems and processes that support them. The role partners with Finance leadership and other stakeholders evaluate transactions, resolve discrepancies, support hedge accounting and financial reporting requirements, and contribute to process improvement and automation efforts.
Day-to Day-Duties and Responsibilities:
  • Maintain and input investment trades, debt issuances, derivative transactions, and derivative collateral activity within the Bank's financial system, including updates to factors, interest rates, market values, and other required instrument attributes.
  • Support the daily and ongoing maintenance of the Bank's debt, investment, derivative, and off-balance-sheet portfolios within the financial system.
  • Develop and maintain a strong understanding of the financial system's functionality, instrument setup requirements, and accounting outputs, and communicate related issues or recommended improvements to management and Finance partners.
  • Analyze derivative transactions and maintain supporting documentation related to hedge accounting treatment, including documentation of hedge relationships, hedge effectiveness, and related compliance with accounting requirements.
  • Assess and communicate accounting implications of debt, investment, and derivative transactions, including applicable presentation in the financial system and financial statements.
  • Evaluate and document note purchases from a loan versus investment designation to determine the appropriate GAAP classification and accounting treatment.
  • Generate and analyze daily, monthly, quarterly, and annual reports used for financial reporting, compliance, management analysis, and operational support, and assist with preparation of financial statement disclosures.
  • Research and resolve accounting discrepancies related to debt, investment, and derivative activity.
  • Support monthly close and quarterly and annual reporting activities under tight deadlines.
  • Help ensure compliance with internal controls, including SOX and internal controls over financial reporting applicable to responsibilities within the role.
  • Maintain clear and complete procedural documentation for assigned activities, including process functionality within the financial system.
  • Perform testing and analysis related to software versions, system updates, and application changes affecting debt, investment, and derivative processing, in accordance with Bank change management procedures.
  • Contribute to ongoing automation and process improvement efforts to enhance team efficiency, accuracy, and control effectiveness.
  • Review and approve work performed by temporary or full-time personnel, as assigned.
  • Exercise sound judgment, objectivity, professional proficiency, and high standards of conduct at all times.
  • Perform other duties and special projects as assigned.

What You Bring to the Team:
Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.
It's an important role that covers many skills. This position requires:
Required:
  • Bachelor's degree in finance, accounting, or a related field.
  • Six (6) to eight (8) years of experience in debt, investment, derivative, treasury, or other financial instruments accounting and analysis.
  • Working knowledge of accounting treatment for debt, investment, and derivative instruments and the applicable accounting principles.
  • Experience with or demonstrated exposure to derivative accounting, hedge accounting documentation, financial instrument analysis, or related activities.
  • Ability to analyze transactions, identify accounting issues, and apply sound problem-solving and independent judgment.
  • Strong written and verbal communication skills.
  • Strong organizational skills and ability to manage multiple priorities and deadlines.
  • Ability to work effectively both independently and as part of a team.

Preferred:
  • Certified Public Accountant designation.
  • Direct experience with hedge accounting, including documentation of hedge relationships, effectiveness assessments, and related financial disclosures.
  • Experience valuing derivatives or supporting derivative valuation processes.
  • Experience in a banking, financial services, treasury, or other regulated financial environment.
  • Experience with financial systems used for debt, investment, and derivative accounting.
  • Experience supporting automation, system enhancement, or process improvement initiatives.

Why Farm Credit Bank of Texas:
In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:
  • Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
  • 401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution
  • Long-term disability and life insurance
  • Vacation leave, sick leave, and paid holidays
  • Fertility benefit and parental leave plan
  • Up to two days per year to volunteer in local community organizations, services, or events
  • Ongoing professional-development opportunities
  • Generous tuition-reimbursement program
  • Physical fitness incentive plan
  • Employer matching gifts program

Important note: We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. We can't personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.
A/EOE/M/F/D/V
#LI-Hybrid

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