SVP Director of Commercial Credit

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. As part of the nationwide Farm Credit System, it supports farmers, ranchers, rural homeowners, and agribusinesses.

Responsibilities

Performs manager level credit administration of the Credit Department's commercial portfolio and monitoring of larger credits, including those of a complex nature; oversees the staff of Association Credit Analysts and the administration and flow of actions requiring the Association's Credit Committee; implements, communicates, and ensures adherence to the Association's credit philosophy and underwriting standards; assists Chief Credit Officer and CLO in strategic planning and special projects; leads credit professionals with emphasis on consistency in credit underwriting and structuring; recommends improvements to the credit function, including technology, processes, and procedures; sets acceptable risk tolerance levels for the commercial business portfolio with the EVP, Chief Credit Officer; guides regional credit teams on problem loan situations (Special Asset accounts); provides input to the department's annual business plan; prepares and makes business presentations to small and large audiences; monitors and reports risk trends in the commercial loan portfolio for senior management and Board; manages the hiring, supervision, training, and development of credit managers and credit analysts; manages and coordinates loan committee activities; assists in developing, implementing, and maintaining credit policies and procedures; supports Regional Presidents on loans over their delegated authority or requiring prior approval of the funding bank; chairs final loan decisions on larger, more complex loans within core lending as a key member of the Association Loan Committee

Requirements

Bachelor's Degree in business administration, finance, accounting, agricultural economics, or other related field; ten (10) years' experience focused on the credit analysis function for a related lender, with a minimum of five (5) years management experience in large and/or complex loans (over $2.5 million); previous experience showing a thorough understanding of agriculture / agribusiness as a business and industry; experience in appropriately structuring loan terms; experience in operating/production and mortgage loans, accounting standards, banking regulations, operations, and credit practices; must be well versed in the effective use of various loan analysis software programs/tools; a proven leader with excellence in credit analysis, interpersonal relations, public speaking, administrative, research (including Internet) and communication skills; strong analytical skills to maintain sound credit underwriting standards and to evaluate and structure loan proposals; knowledge of business and legal practices in mortgage and commercial/operating lending, including credit standards, real estate appraisal requirements, loan portfolio management, regulatory compliance, and credit administration; proficiency with Microsoft Office software and credit analysis software; experience developing successful teams, strategic planning and goal setting, human resource management, and public / member relations

Nice to have

Experience with Farm Credit System or other Agricultural Lender; Certified Public Accounting designation; post-graduate degree or professional certification in Accounting, Finance or related field; adept at building successful teams, conflict management, adaptability, problem-solving, multi-tasking, influencing others, creativity and being a self-starter

Benefits

Company-wide goals-based incentive program; 13 days of annual leave and 15 days of sick leave per year; 10-12 paid holidays annually; 401(k) with up to 9% employer contribution/match; affordable medical, dental, and vision plans; 8 weeks of paid parental leave; employer-paid life and disability insurance; tuition reimbursement; up to $400 for wellness expenses; competitive pay and growth opportunities