Credit Risk Analyst Jobs in Austin, TX (NOW HIRING)

Education and Experience

• Bachelor's degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.
• 5 or more years of progressively responsible banking or related agricultural lending experience, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Registration required as a Mortgage Loan Officer under the National Mortgage Licensing System.

Job Summary

• Manages and maintains current relationships and seeks new accounts with the ability to manage large and complex accounts and credit evaluations.
• Recommends or approves loans in assigned territory within delegated authority.
• Develops and manages loan portfolios, including originations, in the trade area served by the association. 
• Designs and implements sales strategies for complex customers to increase client satisfaction and portfolio growth.
• Assists in training less senior relationship managers and credit personnel.
• Operates with considerable decision-making latitude under minimal supervision.

Functions:

• Develops new business in the assigned office in addition to servicing existing commercial and real estate customers.
• Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.
• Collaborates with credit analysts on loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners, and community business leaders. Cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities.
• Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offers other related services such as cash management products and crop insurance. 
• Makes and/or conveys decisions on loan approval, structure, and pricing.
• Exercises credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.
• Secures background and credit history on new loans, repeat loans, and renewals.
• Provides for evaluation of loan collateral in accordance with association policies and procedures.
• Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in complex credit analyses.
• Reviews balance sheets, income statements and cash flows of potential borrowers to ascertain creditworthiness.
• Works with credit analysts on loans in process and maintains current, adequate, and verified financial information on borrowers and guarantors as required by Association.
• Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements.
• Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Complies with proper credit administration practices as outlined in the association's policies and procedures.
• Assists staff and management with collections on all loans in the portfolio.
• Works with delinquent borrowers to obtain satisfactory loan performance.
• Assures that loan covenants are maintained as required.
• Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.
• Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
• May perform appraisals, inspections and/or collateral evaluations in compliance with District and Association standards and procedures. May assist with or attend public relations functions for the Association.

Required Skills

• Ability to build rapport and represent the Association effectively
• Capable of operating in high-pressure environments with complex, high-profile clients
• Outstanding written and verbal communication skills
• General accounting and financial system knowledge
• Specialized understanding of finance/accounting principles
• Basic proficiency in Microsoft Office
• Ability to perform financial analyses with moderate supervision

If you require reasonable accommodation during the employment process, email careers@capitalfarmcredit.com with your request and contact information. Requests will be considered individually. Only accommodation-related inquiries will receive a response at this email. For more information, view the EEO - Know Your Rights and Pay Transparency Statement.