Portfolio Monitoring Manager Round Rock, Texas

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.

Why Join Us?
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 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.

At Capital Farm Credit, you’ll find more than a job—you’ll find purpose.

Education Requirement:

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

Job Requirements:

• Five (5) years of experience in commercial credit analysis, portfolio management, or related roles, with at least two (2) years in a managerial capacity.
• Strong understanding of credit risk principles and commercial lending practices, including creating and monitoring of a borrowing base and compliance certificate.
• Proficiency in data analysis tools and software (e.g., Excel, SQL, or financial modeling software).
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills, with the ability to present complex information clearly to various audiences.
• Ability to work effectively in a fast paced, team-oriented environment.

Job Summary:

• Responsible for overseeing the performance and monitoring of borrowing bases and compliance certificates within the commercial and retail credit portfolios.
• This role involves managing a team of monitoring analysts, ensuring accurate borrowing base and compliance certificate monitoring, and providing insights to support strategic decision-making and risk management.
• The ideal candidate will possess strong analytical skills, a deep understanding of credit risk, and the ability to communicate complex data effectively.

Functions:

• Lead, mentor, and develop a team of portfolio monitoring analysts to ensure high-quality analysis and reporting.
• Oversee the ongoing analysis of retail and commercial credit portfolios, including performance tracking, risk assessment, and trend identification.
• Identify potential risks and emerging issues within the portfolio and develop strategies to mitigate these risks.
• Prepare and present comprehensive reports and presentations on portfolio performance, credit quality, and risk exposure to senior management and stakeholders.
• Work closely with credit underwriting, risk management, and business units to ensure alignment on portfolio strategies and risk policies.
• Ensure the accuracy and integrity of data used for analysis and reporting; implement best practices for data management.
• Ensure all portfolio monitoring activities comply with relevant regulatory requirements and internal policies.
• Identify opportunities for process improvements within the portfolio monitoring function to enhance efficiency and effectiveness.

Required Skills:

• Strong ability to analyze financial data, identify trends, and make data-driven decisions.
• Deep understanding of credit risk principles and commercial lending practices.
• Experience in managing and mentoring a team, fostering collaboration, and driving performance.
• Excellent verbal and written communication skills to present complex information clearly to various stakeholders.
• Strong critical thinking and problem-solving abilities to address portfolio issues and risks.
• Proficiency in financial analysis,…