Credit Analyst
Capital Farm Credit, ACA - Austin, TX

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Description/Job Summary
Assists lo a n o ff i cer s in the a n a l y sis, s er vi c in g , a nd re po r ting of the a sso c i a tion ’ s mo r t g a g e a nd c omm erc i a l lo a ns. F ully c omp e t e nt p r o fe ssion a l, a ssi g nm e nts ar e v ar i e d a nd mod era t e ly c ompl e x in n a tu re , some l a titude f or d ec ision m a kin g , wo r ks und e r mod era te sup er vision.

A t the sole discretion of Capital Farm Credit, position may be offered with a different title, based on the requisite qualifications of the candidate. As such, the essential functions could vary, but will be in general those required for the analysis, servicing and reporting of the Association’s mortgage and commercial loan portfolio within a branch office.

The selected candidate, upon CFC approval, may locate in Bryan, Temple, Taylor or Austin.

Responsibilities/Duties

BEN C HM A R K ED J O B F U N CTI O N S :
Assists lo a n o ff i cer s in the a n a l y sis, s er vi c in g , a nd re po r ting of the a sso c i a tion ’ s mo r t g a g e a nd c omm erc i a l lo a ns. W o r ks di rec tly with l e nding st af f in the d e v e lopm e nt of a pp r op r i a te cre dit d ec isions a nd p re p are s oth e r re po r ts a s re qu e st e d by m a n a g e m e nt. An a l y z e s f in a n c i a l in f o r m a tion in c luding b a l a n c e sh ee ts, in c ome st a t e m e nts, ca sh f low a nd t a x re tu r ns to f o r m a n opinion of the st re n g ths, w ea kn e ss e s a nd r isks a sso c i a t e d with lo a n p ac k a g e s. D e t er min e s p r ob a bility of D efa ult ( P D) ra tin g s a s a pp r op r i a te a nd m a k e s rec omm e nd a tions f or a pp r ov a l or d e ni a l of lo a ns. I nt er p re ts, c ommuni ca t e s, a nd p r ovid e s g uid a n c e to lo a n o ff i cer s re g ar ding a sso c i a tion l e nding poli c i e s a nd p r o ce du re s. R e vi e ws a nd a pp r ov e s lo a ns submitt e d by oth e r l e nding st af f th a t e x cee d th e ir d e l e g a t ed a utho r it y . Ensu re s th a t a ll a ssi g n e d lo a ns ar e p r op er ly r isk ra t e d, a ssi g n e d loss g iv e n d efa ults ar e c o rrect a nd p erf o r m a n c e st a tus a ssi g nm e nts ar e p r op er . C ompli e s with p r op e r cre dit a dminist ra tion p rac ti ce s a s outlin e d in the a sso c i a tion ’ s poli c i e s a nd p r o ce du re s. Assists s e nio r- l e v e l cre dit a n a l y sts with c ompl e x lo a n a ppli ca tions a s n ece ss ar y .

Required Skills
SKILL REQUIREMENTS

G e n era l knowl e d g e of acc ountin g / f in a n c i a l s y st e ms. S p ec i a li z e d knowl e d g e of acc ountin g / f in a n c e p r in c ipl e s. S kill in o ra l a nd w r itt e n c ommuni ca tion. I nt er m e di a te skill l e v e l in Mi cr oso f t O ff i c e a ppli ca tions. Ability to p erf o r m int er m e di a t e- l e v e l acc ounting a nd f in a n c i a l a n a l y s e s und er mod era te sup er vision.

Required Experience ( 2) to f ive ( 5) y ear s of e x p er i e n c e in the a dminist ra tion a nd a n a l y sis of cre dit on c omm erc i a l a nd mo r t g a g e lo a ns in c luding r isk a ss e ssm e nts a nd rec omm e nd a tions on a pp r ov a l of lo a n a ppli ca tions. A t the sole discretion of Capital Farm Credit, position may be offered with a different title, based on the requisite qualifications of the candidate. As such, the essential functions could vary, but will be in general those required for the analysis, servicing and reporting of the Association’s mortgage and commercial loan portfolio within a branch office.
Preferred Experience Experience in Agricultural Lending preferred.
Required Education B ac h e lo r’ s d e g re e in F in a n ce , B usin e ss Administ ra tion, Agribusiness or Ag Economics or a re l a t e d f i e ld
Details

P HY S IC A L A C TIVIT I E S :
Ability to sit f or long p er iods of tim e . Ability to st a nd f or limit e d p er iods of tim e . Ability to w a lk f or mod era te dist a n ce s. Fre qu e nt f in g er /h a nd m a nipul a tion (e . g . k e y bo ar d, o ff i c e e quipm e nt, sm a ll h a nd tools, e t c . ) . O cca sion a l li f tin g , carr y in g , pushin g , a nd/or pulling while e x er ting up to 50 pounds of f o rce .

CO MM U N I C ATI O N R EQUIREMENT S :
This job re qui re s st r ong v er b a l a nd w r itt e n c ommuni ca tion skills a nd list e ning skills, a s w e ll a s the a bility to rea d, c omp re h e nd a nd w r ite m e mos, e- m a ils, op era ting m a nu a ls a nd poli c y di rec tiv e s. The job a lso re qui re s the a bility to p r ovid e , f ollow a nd c onv e y v er b a l inst r u c tion, a nd to p r ovide a nd rece ive fee db ac k a s a pp r op r i a te in a re sp ec t f ul, busin e ss -a pp r op r i a te m a nn er . The a bility to m a ke effec tive busin e ss p re s e nt a tions, both w r itt e n a nd o ra l, in sm a ll a nd l ar g e a udi e n ce s is re qui re d. C ou r t e ous a nd p r o fe ssion a l c ondu c t is re qui re d a t a ll tim e s with a willin g n e ss to p r ovide a nd rece ive c onst r u c tive input a nd di rec tion. I n wo r king with t ea m m e mb er s, it is re qui re d th a t y ou f ost e r op e n lin e s of c ommuni ca tion by c onv e y ing p er tin e nt non p r ivil e g e d indust r y a nd c omp a ny in f o r m a tion th a t is n ece ss ar y to m a x imi z e job p erf o r m a n ce , knowl e d g e a nd und er st a ndin g .

NO T IC E :
This job d e s cr iption in no w a y st a t e s or impli e s th a t th e se ar e the only duti e s to be p erf o r m e d by the e mplo y e e o cc up y ing this position. Emplo y ee s will be re qui re d to f ollow a ny oth e r job -re l a t e d inst r u c tions a nd to p erf o r m a ny oth e r job -re l a t e d duti e s re qu e st e d by the sup er viso r . This position m a y fre qu e ntly b ec ome involv e d in or be m a de a w ar e of c on f id e nti a l busin e ss or p er son a l in f o r m a tion a s a re sult of int erac tions 1) ar ising und e r its J ob P u r pose a nd S c op e , 2) ar ising fr om oth e r a ssi g n e d re sponsibiliti e s or 3) with oth e r e mplo y ee s. I t is a n e x p ec t a tion a nd re qui re m e nt of the job th a t c on f id e nti a l in f o r m a tion of the b a nk, its a sso c i a tions a nd th e ir c ustom er s be h a ndl e d in a p r o fe ssion a l m a nn e r a nd not be dis c los e d without a pp r ov a l or us e d f or p er son a l g a in. Non -c ompli a n c e with p r iv ac y or c on f id e nti a l in f o r m a tion re qui re m e nts or e x p ec t a tions ca n re sult in dis c iplin ar y ac tion up to a nd in c luding t er min a tion of e mplo y m e nt. All re qui re m e nts ar e subj ec t to possible modi f i ca tion to rea son a bly acc ommod a te individu a ls with dis a biliti e s. S ome re qui re m e nts m a y e x c lude individu a ls who pose a di rec t th rea t or si g ni f i ca nt r isk to the h ea lth a nd s afe ty of th e ms e lv e s or oth e r e mplo y ee s. R e g ul a r a tt e nd a n c e is re qui re d in this job. This do c um e nt do e s not crea te a n e mplo y m e nt c ont rac t, impli e d or oth er wis e , oth e r th a n a n " a t will" e mplo y m e nt re l a tionship.

AA/EOE/M/F/D/V

CLOSING DATE

Position will be posted until filled, until sufficient candidates are reviewed to ensure a qualified selection can be made, or until closed at the discretion of the Association .

Capital Farm Credit, ACA - 20 months ago - save job - block
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