Commercial Credit Analyst

**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. **LOCATION** This position will be located at our office in Round Rock, Texas. **EDUCATION AND EXPERIENCE** - Bachelor’s degree in finance, Business Administration or a related field, or equivalent experience. - Three (3) to five (5) years of experience in the administration and analysis of credit on commercial, agribusiness, and mortgage loans including risk assessments and recommendations on approval of new loan or lease applications or credit servicing actions. - Requires proficiency in oral and written communication. **JOB SUMMARY** - Partners with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators to conduct data analysis and risk determination for large commercial and agribusiness credits. - Independently performs simple to moderately complex credit analysis work on loans and leases, applying financial expertise to assess credit worthiness and mitigate risk. - Exercises judgment in evaluating financial data, industry trends, and borrower risk factors to provide recommendations. - In many cases, the individual is a key member of a deal team responsible for structuring new loans, leases, or credit servicing requests. **ESSENTIAL FUNCTIONS** - Partners with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Loan Administrators in analysis, servicing and reporting of the Association’s loans and leases. - Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines appropriate risk Probability of Default (PD) rating for loans and leases. - Analyzes collateral and borrower primary and secondary repayment sources. Determines appropriate Loss Given Default (LGD) rating for loans and leases. - Interprets, communicates, and provides guidance regarding Association lending policies and procedures. - Collaborates with internal stakeholders to analyze financial data, assess risk, and develop credit recommendations that align with Association policies and risk tolerance. Exercises independent judgement in evaluating, structuring, and preparing detail credit reports used by senior management in decision making. - Reviews and approves loans submitted by other lending staff that exceed their delegated authority. - Complies with proper credit administration practices as outlined in the association’s policies and procedures. - Works collaboratively with senior-level credit analysts to analyze complex loan applications. - Participates in the development of loan/lease relationships with other lenders, potential borrowers, applicants, members, participants, and loan/lease ref…