DATE: January 31, 2013
POSITION: Senior Credit Analyst
LOCATION: Capital Farm Credit—Austin Credit Operations
SALARY: Commensurate with experience and qualifications
MINIMUM EDUCATION AND EXPERIENCE
Bachelor’s degree in Finance, Business Administration or a related field, or equivalent experience and five (5) or more years of experience in the administration and analysis of complex credits on commercial and mortgage loans including experience in structuring and evaluating complex loan participations, credit relationships, and analyses of direct loans.
At 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 to conduct the effective analysis of Association credit related activities.
JOB PURPOSE AND SCOPE
Assists loan officers in the analysis, servicing, and reporting of the association’s loan participations, mortgage and commercial loans. Performs credit and financial analyses on complex/multi-entity loan originations; monitoring and due diligence review of various loan packages/opportunities; and review, reporting, compliance and loan servicing activities. Fully competent senior-level professional; assignments are broad and complex in nature requiring originality, ingenuity, and leadership; has appreciable latitude for decision making; works under minimum supervision. May serve as a Team Leader
General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to perform complex accounting/financial analyses under limited supervision.
BENCHMARKED JOB FUNCTIONS:
Performs credit administration, financial analysis, monitoring and due diligence review of various financial packages and loan originations for the association and other reports as requested by management. Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. Complies with proper credit administration practices as outlined in the association’s policies and procedures. Participates in the development of loan relationships with other lenders, potential borrowers, applicants, members, participants and loan referral sources. Assists in the development and closing of complex loans by assisting management and loan officers with analysis and negotiation of such credits. Acts upon association prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority. Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures. Interprets and acts upon various legal, title and other questions which may arise on loans. May assist in developing and administering lending programs, as well as developing and revising operating procedures relating to lending operations. Provides mentoring/training to less-senior credit analysts. Assists other association personnel in completing projects as assigned.
Ability to sit for long periods of time. Ability to stand for limited periods of time. Ability to walk for moderate distances. Frequent finger/hand manipulation (e.g. keyboard, office equipment, small hand tools, etc.). Occasional lifting, carrying, pushing, and/or pulling while exerting up to 50 pounds of force.
This job requires strong verbal and written communication skills and listening skills, as well as the ability to read, comprehend and write memos, e-mails, operating manuals and policy directives. The job also requires the ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner. The ability to make effective business presentations, both written and oral, in small and large audiences is required. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction. In working with team members, it is required that you foster open lines of communication by conveying pertinent non privileged industry and company information that is necessary to maximize job performance, knowledge and understanding.
This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to follow any other job related instructions and to perform any other job related duties requested by the supervisor. This position may frequently become involved in or be made aware of confidential business or personal information as a result of interactions 1) arising under its Job Purpose and Scope, 2) arising from other assigned responsibilities or 3) with other employees. It is an expectation and requirement of the job that confidential information of the bank, its associations and their customers be handled in a professional manner and not be disclosed without approval or used for personal gain. Non-compliance with privacy or confidential information requirements or expectations can result in disciplinary action up to and including termination of employment. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees. Regular attendance is required in this job. This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.
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(Click on About Us/Careers with CFC/Launch the Employment Center.) Fill out an online application completely and upload a current resume or follow this link
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.
Farm Credit Network
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