Senior Credit Analyst
Capital Farm Credit, ACA - Waco, TX

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Description/Job Summary Assists loan o f fi ce rs in the a n a l y si s , s e rvi c in g , a nd r e porting of the a ssoci a t i on’s loan p a rticip a t i ons, mort g a g e a nd c om m e r c ial loans. P e r f o r ms c r e dit a nd fin a n c ial a n a l y s e s on c omp l e x / m ul ti -e nt i ty loan o r i g inations; mon i toring a nd due di l i g e n c e r e view of v a rious loan p ac k a g e s/oppo r tun i t i e s; a nd r e vie w , r e portin g , c omp l ian c e a nd loan s e rvi c ing ac t i vi t ies. May p e r f o r m c ol l a te ra l e v a luations a s r e quir e d. F ul l y c ompet e nt s e nio r - lev e l p r o fe ss i on a l; a ss i g nments a re b r o a d a nd c omp l e x in n a ture r e quiring o r i g inali t y , in g e nui t y , a nd le a d e rship; h a s a ppr e c iable lati t ude for d ec is i on makin g ; wo r ks und e r m i ni m um supe r vis i on. May s e rve a s a T ea m L ea d e r. Will serve as a Senior Analyst for the entire Bryan Region with the ability to headquarter in Bryan, Waco, Taylor, Gatesville, Conroe or Livingston at the discretion of the the selected employee subject to the approval of Capital Farm Credit.
Responsibilities/Duties 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.
Required Skills G e n e r a l knowled g e of a cc ount i n g /fina nc ial s y stems. S p ec iali z e d knowl e d g e of acc ount i n g /fina nc e prin c ip l e s. S ki l l i n or a l and w ritten c om m unic a t i on. I nte r medi a te ski l l l e v e l in M i c roso f t Of f ice a ppl i ca t i ons. Abili t y to pe r fo r m c omp l e x acc ount i n g /fina nc ial a n a l y s e s und e r l i m i ted supe r vis i on.
Required Experience 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. Two to Five years as a loan officer or a credit analyst is expected as a part of the overall 5 year experience requirement.
Required Education Bachelor’s degree in Finance, Business Administration or a related field

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 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 their supervisor. 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. 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 duties of a credit analyst supporting association loan officers and the lending function.

Apply Online at (Click on About Us/Careers with CFC/Launch the Employment Center); Fill out an online application completely and upload a current resume. Contact with any questions. AA/EOE/M/F/D/V

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.

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