Commercial Senior Credit Analyst

About Us

About Us Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture.

We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer‑owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment.

• Incentive Program: Company‑wide, goals‑based rewards.
• Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.
• Retirement: 401(k) with up to 9% employer contribution/match.
• Health Coverage: Affordable medical, dental, and vision plans.
• Parental Leave: 8 weeks of paid parental leave.
• Life & Disability Insurance: Employer‑paid coverage.
• Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

This position will be located at our office in Amarillo, Texas.

• Bachelor’s degree in finance, accounting, agribusiness, business administration or a related field, or equivalent experience.
• Five (5) or more years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience structuring and evaluating complex loans, leases, and credit servicing actions is essential; proficiency in oral and written communication is required. Transactions include direct, purchased, sold, and syndicated loans and leases.

• The Commercial Senior Credit Analyst collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Administrators in performing detailed financial analysis of commercial agriculture and agribusiness credits.
• This role involves assessing creditworthiness, conducting market research, and performing high‑level credit analysis and structuring of the Association’s largest and most complex borrowers.
• The Senior Credit Analyst works under moderate supervision, often as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision‑making, closing, and servicing.
• Fully competent mid‑level professional, assignments are broad in nature requiring originality, ingenuity, and leadership; has appreciable latitude for decision making; works under moderate supervision.
• May serve as a Team Leader.

• Collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators in structuring, analysis and servicing of the Association’s largest and most complex borrowers’ loans and leases.
• Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness; determines appropriate Probability of Default {PD} rating for loans and leases.
• Analyzes collateral and borrower primary and secondary repayment sources; determines appropriate Loss Given Default {LGD} rating for loans and leases.
• Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Performs credit administration, monitoring and due diligence review of various financial packages for reports as requested by management.
• Demonstrates a strong understanding of key ratio analysis and the relationship of those ratios on the various financial statements.
• Determines and recommends approval or denial of loans and leases.
• Complies with proper credit administration practices as outlined in the association’s policies and procedures.
• Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants, and…