VP Credit Approval

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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 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 may be located in our office in Round Rock or College Station, Texas.

• Bachelor’s degree in Finance, Business, Accounting, or a related field, or experience deemed equivalent by Capital Farm Credit.

• Candidates should have 10+ years of progressive experience in credit and/or lending, including time in a senior decision‑making capacity.
• Previous experience should include commercial, agricultural, and capital markets lending, along with a strong foundation in credit analysis, portfolio management, and regulatory compliance.
• Proven expertise in evaluating complex credit requests, structuring and monitoring large‑scale loans, and ensuring compliance with internal policies and external regulations is essential.
• The ideal candidate will demonstrate the ability to develop and implement credit policies and risk‑management strategies, as well as mentor staff and collaborate with senior leadership to align credit decisions with organizational goals.
• High proficiency in both oral and written communication is required.

• The Vice President of Credit Approval plays a critical role in evaluating and approving complex credit requests within delegated authority, while providing strategic recommendations on larger transactions.
• This position ensures that credit decisions are both sound and aligned with business objectives, balancing risk management with regulatory compliance and internal policy standards. The VP partners closely with lending teams, credit analysts, and senior leadership to promote consistent underwriting practices, maintain effective portfolio oversight, and shape the development of credit standards.
• The role carries considerable latitude for independent decision‑making, operating with minimal oversight to ensure timely and effective credit decisions.
• Additionally, the VP provides leadership to credit staff, drives the implementation of credit policies, and mentors team members to elevate credit expertise across the organization.

• Reviews and approves complex credit requests within delegated authority, ensuring alignment with credit standards, policies, and regulatory requirements.
• Provides recommendations to senior leadership on credit requests that exceed delegated authority.
• Partners with lending staff and credit analysts to structure credit facilities that balance customer needs with sound risk‑management practices.
• Assists in monitoring credit portfolio performance, identifying emerging risks or trends, and escalating issues as appropriate.
• Contributes to the development and implementation of credit policies, underwriting standards, and procedures to ensure consistency and compliance across the organization.
• Mentors and supports credit approvers and analysts, helping to strengthen skills and promote professional growth.
• Collaborates with senior management, risk, and…