SAG Relationship Officer I
Description/Job SummaryLOCATION:
This position may be located in Bryan or Lubbock.
EDUCATION REQUIREMENT:
Bachelor s Degree in Business Administration, Ag Business, Ag Economics, Finance, Accounting or Economics JOB REQUIREMENTS:
Five (5)-Seven (7) years of lending/credit analysis experience, to include experience in the full economic cycle of agriculture.
Farm Credit System or experience in a related agricultural credit organization preferred along with experience with Farm Credit System borrowers rights and loan litigation.
FUNCTIONS:
This is an experienced credit/lending position that will be staffed by a successful individual with an established record of quality credit administration coupled with an average understanding of borrower relationships within the service area.
The incumbent will be competent in credit, lending, and distressed borrower requirements.
Will operate with moderate oversight with strong creativity and ingenuity to meet the established functions in compliance with all governing policies, regulations, and proceduresWhile the incumbent will have strong credit and relationship skills, the knowledge base is still growing and developing in critical areas.
Serves as a specialized resource focused on criticized volume not assigned to the Special Asset Group (SAG) exhibiting a strong level of patience and creativity to arrive at suitable solutions.
Will act as a key influencer with customers and/or Lenders and work with Credit Analysts in assigned area to address customer situations in or approaching OAEM status.
This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks for a variety of loans to include large and complex accounts.
May serve as a primary customer contact or work with a lender behind the scenes depending on the experience and comfort of the lender in working through criticized volume loans.
Typically, the Relationship Officer and Lender will work together to establish the proper approach.
Manage assigned portfolio in accordance with Associations policies and procedures resulting in the greatest net return/best business decisionWork towards designated account retention and returning accounts to viable account status levels.
Primary responsibility is prevention of loans entering special classification and reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed relationshipsAnalyze customer financial statements, including balance sheets, trend analysis, income statements, cash flows, collateral analysis, and performance reconciliation.
Serves as primary compliance officer on assigned loans and ensures the Association is within compliance of settlement laws and proceduresContribute to the achievement of satisfactory Association credit administration and credit quality goals in assigned portfolio through building consensus of involved parties.
Monitor loan performance on assigned portfolioProvide timely, efficient service to all internal and external customers to ensure completion of follow-up actions of loan servicing plan.
Primary responsibility for obtaining the necessary customer data through reports and systems by working with members of the Deal Team.
Design innovative credit packages to meet customer and prospect needsThis includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing credit risk.
Incumbents will communicate with customers and internal less experienced team members in lay terms and follow through to hold customer accountable for agreed upon actions and steps.
Strong, diverse industry knowledge and ability to understand a wide variety of farming and ranching operationsStrong Credit experience to devise best options for refinancing/restructuring loansExcellent skills in judgment, decisiveness and analysis and ability to appropriately respond and react quickly as situations dictateExcellent communications (both oral and written) and interpersonal skills especially during difficult conversationsExcellent negotiating and influencing skills.
Ability to maintain professional composure in high stress and complex situations and hold individuals internal and external to the Associations accountable for agreed upon courses of action.
Strong organizational skillsA general working knowledge of Associations processes.
Comprehensive understanding of credit extension and loan administration.
Comprehensive knowledge of Capital s financial products and servicesIn-depth understanding of agricultural finance and farm production methods, products, and profitability.
In-depth knowledge of FCA regulations and our Associations policies.
Maintains current awareness of social, economic, governmental, and environmental forces impacting agriculture.
Knowledge of and ability to use applicable computer systems and databasesAbility to interpret policy, programs, and regulations.
Monitors and catalogues loan comments for those loans 30 days or more past dueAs requested, submits progress reports and other information/updates to management regarding the status of acquired property and selected special assets within the portfolio of the assigned Region.
May develop and recommend approval of minimum auction reserves and foreclosure bids for Acquired Property.
May recommend approval of private treaty offers, sales contracts, and other disposition of Acquired Property.
Cross-trains with other special assets personnel in regard to the Association s loan collection activities for branch office loans.
Ensures that special assets within the portfolio of the assigned Region are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
Interprets, communicates, and provides guidance to loan officers regarding association collection policies and procedures.
Assist in developing and administering collection programs, as well as assisting and developing distressed loan restructuring Plans and loan workouts.
Assists Association staff from the assigned Region with collection actions by managing relevant correspondence (i.
e.
, Distressed Loan Restructuring notices, Demand notices, etc.
), action plans, and collection activities.
PREFERRED SKILLS:
General knowledge of accounting/financial systemsSpecialized knowledge of accounting/finance principles.
Specialized knowledge of lending practices, loan term negotiation, accounting standards, banking regulations, operations, and credit practices.
Skill in financial analysis of general commercial credits.
Skill in oral and written communication.
Basic skill level in the use of various loan analysis software programs.
Basic skill level in Microsoft Office applications.
Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.
At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant.
AA/EOE/M/F/D/V; Full description available on request.
Details:
Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses with over $11 billion in total assets and over 600 team membersWe serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System.
We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others with commitment, trust and value and family-like respect and appreciationCapital Farm Credit works diligently to ensure we provide our full-time employees with a market-based compensation program including competitive salary, employee benefits, participation in an attractive goals-based incentive program, and development opportunitiesAs a customer-owned cooperative, our compensation and benefit programs are designed to align the success of our members with the employee s success.
Our comprehensive benefit program includes, but is not limited to:
An outstanding company-wide incentive programAccommodating and flexible vacation and sick leave10-12 paid holidays401(k) plan with up to a 9% employer contribution/matchAffordable health, dental, and vision plans8 weeks of paid parental leaveEmployer paid life insurance and disabilityTuition reimbursementUp to $400/year wellness reimbursement Interested in joining our Team? Submit your application by clicking on APPLY TO THIS POSITION.
We are an Equal Employment/Affirmative Action employerWe do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.
If you need a reasonable accommodation for any part of the employment process, please contact us by email at email protected and let us know the nature of your request and your contact informationRequests for accommodation will be considered on a case-by-case basisPlease note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.
For more information, view the EEO - Know Your Rights and Pay Transparency Statement.
Recommended Skills Unsecured Debt Commercial Banking Underwriting Mortgage Loans Loan Origination Financial Services Estimated Salary: $20 to $28 per hour based on qualifications.
This position may be located in Bryan or Lubbock.
EDUCATION REQUIREMENT:
Bachelor s Degree in Business Administration, Ag Business, Ag Economics, Finance, Accounting or Economics JOB REQUIREMENTS:
Five (5)-Seven (7) years of lending/credit analysis experience, to include experience in the full economic cycle of agriculture.
Farm Credit System or experience in a related agricultural credit organization preferred along with experience with Farm Credit System borrowers rights and loan litigation.
FUNCTIONS:
This is an experienced credit/lending position that will be staffed by a successful individual with an established record of quality credit administration coupled with an average understanding of borrower relationships within the service area.
The incumbent will be competent in credit, lending, and distressed borrower requirements.
Will operate with moderate oversight with strong creativity and ingenuity to meet the established functions in compliance with all governing policies, regulations, and proceduresWhile the incumbent will have strong credit and relationship skills, the knowledge base is still growing and developing in critical areas.
Serves as a specialized resource focused on criticized volume not assigned to the Special Asset Group (SAG) exhibiting a strong level of patience and creativity to arrive at suitable solutions.
Will act as a key influencer with customers and/or Lenders and work with Credit Analysts in assigned area to address customer situations in or approaching OAEM status.
This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks for a variety of loans to include large and complex accounts.
May serve as a primary customer contact or work with a lender behind the scenes depending on the experience and comfort of the lender in working through criticized volume loans.
Typically, the Relationship Officer and Lender will work together to establish the proper approach.
Manage assigned portfolio in accordance with Associations policies and procedures resulting in the greatest net return/best business decisionWork towards designated account retention and returning accounts to viable account status levels.
Primary responsibility is prevention of loans entering special classification and reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed relationshipsAnalyze customer financial statements, including balance sheets, trend analysis, income statements, cash flows, collateral analysis, and performance reconciliation.
Serves as primary compliance officer on assigned loans and ensures the Association is within compliance of settlement laws and proceduresContribute to the achievement of satisfactory Association credit administration and credit quality goals in assigned portfolio through building consensus of involved parties.
Monitor loan performance on assigned portfolioProvide timely, efficient service to all internal and external customers to ensure completion of follow-up actions of loan servicing plan.
Primary responsibility for obtaining the necessary customer data through reports and systems by working with members of the Deal Team.
Design innovative credit packages to meet customer and prospect needsThis includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing credit risk.
Incumbents will communicate with customers and internal less experienced team members in lay terms and follow through to hold customer accountable for agreed upon actions and steps.
Strong, diverse industry knowledge and ability to understand a wide variety of farming and ranching operationsStrong Credit experience to devise best options for refinancing/restructuring loansExcellent skills in judgment, decisiveness and analysis and ability to appropriately respond and react quickly as situations dictateExcellent communications (both oral and written) and interpersonal skills especially during difficult conversationsExcellent negotiating and influencing skills.
Ability to maintain professional composure in high stress and complex situations and hold individuals internal and external to the Associations accountable for agreed upon courses of action.
Strong organizational skillsA general working knowledge of Associations processes.
Comprehensive understanding of credit extension and loan administration.
Comprehensive knowledge of Capital s financial products and servicesIn-depth understanding of agricultural finance and farm production methods, products, and profitability.
In-depth knowledge of FCA regulations and our Associations policies.
Maintains current awareness of social, economic, governmental, and environmental forces impacting agriculture.
Knowledge of and ability to use applicable computer systems and databasesAbility to interpret policy, programs, and regulations.
Monitors and catalogues loan comments for those loans 30 days or more past dueAs requested, submits progress reports and other information/updates to management regarding the status of acquired property and selected special assets within the portfolio of the assigned Region.
May develop and recommend approval of minimum auction reserves and foreclosure bids for Acquired Property.
May recommend approval of private treaty offers, sales contracts, and other disposition of Acquired Property.
Cross-trains with other special assets personnel in regard to the Association s loan collection activities for branch office loans.
Ensures that special assets within the portfolio of the assigned Region are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
Interprets, communicates, and provides guidance to loan officers regarding association collection policies and procedures.
Assist in developing and administering collection programs, as well as assisting and developing distressed loan restructuring Plans and loan workouts.
Assists Association staff from the assigned Region with collection actions by managing relevant correspondence (i.
e.
, Distressed Loan Restructuring notices, Demand notices, etc.
), action plans, and collection activities.
PREFERRED SKILLS:
General knowledge of accounting/financial systemsSpecialized knowledge of accounting/finance principles.
Specialized knowledge of lending practices, loan term negotiation, accounting standards, banking regulations, operations, and credit practices.
Skill in financial analysis of general commercial credits.
Skill in oral and written communication.
Basic skill level in the use of various loan analysis software programs.
Basic skill level in Microsoft Office applications.
Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.
At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant.
AA/EOE/M/F/D/V; Full description available on request.
Details:
Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses with over $11 billion in total assets and over 600 team membersWe serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System.
We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others with commitment, trust and value and family-like respect and appreciationCapital Farm Credit works diligently to ensure we provide our full-time employees with a market-based compensation program including competitive salary, employee benefits, participation in an attractive goals-based incentive program, and development opportunitiesAs a customer-owned cooperative, our compensation and benefit programs are designed to align the success of our members with the employee s success.
Our comprehensive benefit program includes, but is not limited to:
An outstanding company-wide incentive programAccommodating and flexible vacation and sick leave10-12 paid holidays401(k) plan with up to a 9% employer contribution/matchAffordable health, dental, and vision plans8 weeks of paid parental leaveEmployer paid life insurance and disabilityTuition reimbursementUp to $400/year wellness reimbursement Interested in joining our Team? Submit your application by clicking on APPLY TO THIS POSITION.
We are an Equal Employment/Affirmative Action employerWe do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.
If you need a reasonable accommodation for any part of the employment process, please contact us by email at email protected and let us know the nature of your request and your contact informationRequests for accommodation will be considered on a case-by-case basisPlease note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.
For more information, view the EEO - Know Your Rights and Pay Transparency Statement.
Recommended Skills Unsecured Debt Commercial Banking Underwriting Mortgage Loans Loan Origination Financial Services Estimated Salary: $20 to $28 per hour based on qualifications.
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