Commercial Credit Officer

LOCATION

The preferred location for this position is College Station, Round Rock, or Lubbock, Texas.

• Bachelor’s degree in finance, accounting, agribusiness, business administration or a related field, or equivalent experience.
• Six (6) years or more of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.
• Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication.

• The Commercial Credit Officer 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 Credit Officer will work independently and under minimal supervision, as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision‑making, closing, and servicing.
• Processes and approves loans and leases in multiple territories within the limits of specific delegated authority consistent with Association policies.
• Trains less‑senior loan officers and credit analysts to ensure quality service and attainment of the Association’s credit goals.
• Has appreciable latitude for decision making as part of a deal team.
• Builds strong relationships with client management/owners and other financial institutions and assists in the management of purchased and sold loan and lease participations.

• 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.
• Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc.).
• Exercises sound credit judgment to develop unique financing and structuring solutions for a diverse customer base. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.
• Develops, manages, and monitors loan portfolios including commercial loan originations and capital markets loan participation packages.
• Interprets, communicates, and provides guidance regarding association lending policies and procedures.
• Reviews and approves loans and leases submitted by other lending staff that exceed their delegated authority.
• Ensures compliance with Association policies and procedures.
• Performs credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re‑amortizations, assumptions, severance agreements, and insurance claims.
• Presents credit packages to loan committee/senior management with recommendation for approval or denial of loan requests.
• Provides guidance to credit analysts as needed.
• Attends public relations functions for the Association, industry conferences, and lender meetings.
• Completes coordinated projects as assigned.
• May perform collections on assigned loans and assists management with collections on all loans in the portfolio. Works with loan officers, administrators and Special Assets Group to service problem loans.
• May facilitate the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

• Minimum six (6) years of experience in structuring and…