Commercial Credit Analyst Associate

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. Our Benefits: 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 finance, Business Administration or a related field, or equivalent experience. One (1) to three (3) years of experience in the banking or financial services industry. Experience in the administration and analysis of credit and working with commercial and/or mortgage loans preferred. JOB SUMMARY Assist Relationship Managers, Special Assets Officers and Loan Administrators with data input, analysis, and risk determination. Performs entry-level professional commercial credit analysis work on loans and leases that is basic in nature, works under moderate supervision. In many cases is part of a deal team that processes a loan or lease request. ESSENTIAL FUNCTIONS Assists parties noted above with data input, credit and financial analysis, and risk determination, on existing loans and leases in the portfolio. Assists parties noted above with monitoring existing loans and leases in the portfolio. Determines probability of default (PD) ratings on new loans and leases, and credit servicing requests. Determines loss given default (LGD) ratings on new loans and leases, and credit servicing requests. Determines creditworthiness of applicants on new and existing loan and leases packages and makes a recommendation to approve or deny the applications. Interprets, communicates, and provides guidance to internal stakeholders regarding Association lending policies and procedures. Works directly with other internal stakeholders in the development of appropriate credit decisions and prepares other reports as requested by management. Complies with proper credit administration practices as outlined in the Association’s policies and procedures. May assist in the development and analysis of various queries facilitating risk management, Quality Control, reporting and monitoring of compliance with lending standards and loan pricing Assists senior level credit analyst staff with loan and lease applications and credit servicing actions. May perform collateral evaluations within delegated authority as necessary. May perform credit and financial analysis, monitoring and due diligence review of various loan participation packages/opportunities with other lenders and Capital Markets. Assists EVP, Chief Credit Officer or other leadership in completing coordinated projects as assigned. Other duties as assigned. REQUIRED SKILLS General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Basic skill level in Microsoft Office applications. Ability to perform basic accounting/financial analyses under moderate supervision. DISCLAIMER We are an Equal Employment/Affirmative Action employer. We do…