Commercial Credit Manager

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.

LOCATION:

• The preferred location for this position is Round Rock, Texas.

EDUCATION REQUIREMENT:

Bachelor’s degree in business administration, Finance, Accounting, Agricultural Economics, or a related field.

JOB REQUIREMENTS:

• Seven (7) to ten (10) years of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases, or equivalent experience.
• Three (3) or more years in a lead, supervisory and/or management position required.

• Coaches and trains commercial and capital markets relationship managers, credit analysts and loan administrators in the origination and servicing of Association’s largest and most complex borrowers' loans and leases (direct, purchased participations and sold participations).
• Establishes goals and objectives for credit analyst team in the Division served.
• Manages delegated authority for credit analysts in the Division served.
• Assists in the management of loan and leases in the Division served in an effort to maintain acceptable risk levels and carry out association goals and objectives.
• Hires, and evaluates credit analysts in the Division served.
• Consults and works closely with Chief Credit Officer, Directors of Credit, Commercial and Capital Market's Lending Directors, other Commercial Ag Credit Group Credit Managers and their respective staffs on loan/lease origination and servicing.
• Provides input on analysis, pricing and structuring of credits in Division served.
• Mentors credit and administrative staff in the analysis and structuring of loans and leases.
• Serves as a loan committee member to review and approve or deny loans and leases that exceed the delegated authority of loan officers and credit analysts.
• Resolves issues related to credit underwriting by actively working with the Commercial and Capital Market's Lending Directors.
• Responsible for compliance with credit standards for the Division served.
• Ensures that loans and leases in Division portfolio are properly underwritten by credit analyst team. This includes ensuring loans and leases are properly risk rated and assigned appropriate Probability of Default (PD) and Loss Given Default (LGD) ratings.
• Complies with proper credit administration practices as outlined in association’s policies and procedures.
• Demonstrates the “CFC Way” in all areas of credit underwriting.
• Conducts complex credit analyses, including properly identifying risk rating on large commercial and capital markets loans and leases.
• Determines creditworthiness of applicants for new loans or leases and credit servicing action in Division served.
• Manages and oversees the underwriting process on credits in the Division served which are non‑performing and assist other stakeholders in the development of corrective action plans or restructuring actions.
• Prepares budgets for credit underwriting operations associated with the Division served. Collaborates with the Director of Commercial Ag Credit in the budget process.
• Maintains awareness of agricultural…