Sr Credit Officer - Power & Crops

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 are active in the nation’s capital markets. We play a critical role in supporting the businesses that maintain access to an affordable and safe food supply, an industry that is innovative and evolving.

The Sr. Credit Officer I provides senior‑level credit analysis, underwriting, and portfolio servicing support for assigned participation accounts and offerings. Responsibilities include evaluating complex commercial and agricultural credits, exercising delegated lending authority where authorized, and preparing recommendations for matters requiring higher approval. The role supports association relationship management, evaluates direct and other financing institution lending programs, and contributes industry, peer group, and portfolio analysis to inform credit decision‑making, portfolio risk management, and bank lending strategy.

• Perform financial analysis, credit administration, portfolio monitoring, and due diligence on official loans, excess loans, and loan participation packages received from district associations or other commercial lenders.
• Act on association official loans, excess loans, prior approval loans, and loan servicing actions within delegated authority and prepare recommendations for loan committee consideration on transactions exceeding delegated authority.
• Interpret, communicate, and provide guidance to associations regarding sound lending practices, credit expectations, and applicable lending procedures.
• Interpret and address legal, title, and related issues that arise in connection with assigned loans and credit relationships.
• Assist in developing and administering lending programs and in revising operating procedures related to lending operations.
• Assist management in evaluating the Bank’s direct lending and other financing institution lending programs.
• Assist district associations in the development and closing of complex loans through credit analysis, structuring input, and negotiation support.
• Develop loan participation and correspondent banking relationships with other lenders and manage and supervise assigned participation loan relationships in accordance with supervisory direction.
• Prepare industry analysis, peer group analysis, portfolio analysis, and other special project work as assigned.
• Assist other Bank personnel in completing coordinated projects as assigned.

• Bachelor’s degree in agricultural economics, finance, business administration, or another related business field, or commensurate experience.
• Seven to ten plus years of experience in all facets of lending, including marketing, extension, administration, and analysis of commercial credits and agricultural production loans.
• Experience analyzing complex credits and negotiating and administering large loans over five million dollars.
• Experience working with management and senior loan officers of other financial institutions in structuring and evaluating official loans, excess loans above delegated authorities, loan participations, and direct loan or correspondent lending relationships.
• Demonstrated expertise in credit administration, financial analysis, loan analysis software, accounting standards, credit policies, and lending procedures.

• Experience supporting lending program development, operating procedure revision, and portfolio analysis within a regulated financial services environment.
• Experience working with agricultural production loans, mortgage loans, and complex commercial credits.
• Experience developing correspondent banking and loan participation relationships.
• Demonstrated ability to provide guidance to associations and to support complex loan structuring and negotiations.

Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.

• Competitive salary.
• Flexible health‑and‑wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flex spending accounts, and more.
• 401(k) plan with 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.
• 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.