Relationship Manager III

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 10–12 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 and Experience

• Bachelor’s degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.
• 5 or more years of progressively responsible banking or related agricultural lending experience, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Registration required as a Mortgage Loan Officer under the National Mortgage Licensing System.

Job Summary
Manages and maintains current relationships and seeks new accounts with the ability to manage large and complex accounts and credit evaluations. Recommends or approves loans in assigned territory within delegated authority. Develops and manages loan portfolios, including originations, in the trade area served by the association. Designs and implements sales strategies for complex customers to increase client satisfaction and portfolio growth.

Assists in training less senior relationship managers and credit personnel. Operates with considerable decision-making latitude under minimal supervision.

Functions:

• Develops new business in the assigned office in addition to servicing existing commercial and real estate customers.
• Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection.
• Collaborates with credit analysts on loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners, and community business leaders. Cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities.
• Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offers other related services such as cash management products and crop insurance.
• Makes and/or conveys decisions on loan approval, structure, and pricing.
• Exercises credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities.
• Secures background and credit history on new loans, repeat loans, and renewals.
• Provides for evaluation of loan collateral in accordance with association policies and procedures.
• Works with loan process to ensure proper lien perfection on all collateral.
• Develops proficiency in complex credit analyses.
• Reviews balance sheets, income statements and cash flows of potential borrowers to ascertain creditworthiness.
• Works with credit analysts on loans in process and maintains…