VP Credit Officer
Capital Farm Credit, ACA - San Antonio, TX

This job posting is no longer available on Capital Farm Credit, ACA. Find similar jobs: VP Credit Officer jobs - Capital Farm Credit jobs

Description/Job Summary
Assists R e l a tionship M a n a g er s or L o a n O f f i c er s in the a n a l y sis, s er vi c in g , a nd r e po r ting of the Asso c i a tion ’ s mo r t g a ge a nd c omm e rc i a l lo a ns. P r o ce ss e s a nd a pp r ov e s lo a ns in a ss i g n e d t e r r ito r y within the limits of sp ec i f ic d e l e g a t e d a utho r i t y c onsist e n t with Asso c i a tion poli c i e s. Ev a lu a t e s a nd s er v i c e s lo a ns with higher levels of complexity and r isk. D e v e lops and manages lo a n po r t f olios i n c luding l o a n o r i g in a tions in t h e t ra d e are a s er v e d b y t h e a sso c i a tion. Assists in t ra in i ng l e ss - s e nior lo a n o f f i c er s a nd cre dit p er sonn e l to e nsu r e qu a li t y s e r vi c e a nd a tt a inm e nt of the Asso c i a ti o n ’ s c r e dit g o a ls. H a s a p p rec i a ble l a titude f or d ec ision m a k in g ; wo r ks und e r minimum 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, serving and report of the Association’s mortgage and commercial loans by supporting loan officers and relationship managers in preparation and analysis of credit.

Responsibilities/Duties

BEN C HM A R K ED J O B F U N CTI O N S :
D e v e lops a nd m a n a g e s lo a n po r t f olios in c luding lo a n o r i g in a tions in the t ra de a r e a s e r v e d b y the a sso c i a tion. W o r ks with c ompl e x lo a ns a nd lo a n p ar ti c ip a tion p ac k a g e s. P r ovid e s a n a l y sis, s er vi c i ng a nd re po r ti n g of the a sso c i a tion’s mo r t g a ge a nd c omm erc i a l lo a ns. 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, i n c ome st a t e m e n ts a nd c a sh f lows of pot e nti a l bo rr ow e r s to a s c e r t a in c r e dit wo r thin e ss. D e t e r min e s P r ob a bili t y of D e f a ult ( P D) ra ti n g s a s a p p r op r i a te a nd m a ke r ec omm e nd a t i ons f or a pp r o v a l or d e ni a l of lo a ns. I nt e r p re ts, c ommuni ca t e s , a nd p r ovid e s g uid a n c e r e g ar di n g a ss o c i a tion l e nding poli c i e s a nd p r o ce d ur e s. R e vi e ws a nd a p p r ov e s l o a ns submitt e d b y oth e r l e nding st a f f th a t e x cee d t h e ir d e l e g a t e d a utho r i t y . Ensu re s th a t a ll a ss i g n e d lo a ns ar e p r o p er l y r i s k ra t e d, a ss i g n e d loss g i v e n d efa ults a r e c o rr e c t a nd p erf o r m a n c e st a tus a ss i gnm e nts ar e p r o p er . C ompli e s with p r op e r c re dit a dminist ra tion p r a c ti ce s a s outlin e d in t h e a sso c i a tion ’ s poli c i e s a nd p r o ce du r e s. Assists s e nio r- l e v e l c r e dit o ff i cer s with c ompl e x lo a n a ppli ca tions a s n e ce s s a r y . Assists p r osp ec tive a nd c u rre nt bo r r ow er s with t h e ir cre dit n ee ds a nd with f o r mul a ting solutions to cre dit re l a t e d issu e s. M a k e s a nd s er vi c e s lo a ns a nd l ea s e s within d e l e g a t e d a utho r i t y a nd in acc o r d a n c e with a ss o c i a tion poli c i e s. M a k e s a nd/or c onv e y s d ec isions on lo a n a pp r ov a l, st r u c tu r e a nd p r i c in g . R e sponsible f or e x erc ising c re dit r isk m a n a g e m e nt re sponsibiliti e s on lo a ns within are a of r e sponsibili t y . C ondu c ts c ompl e x cre dit a n a l y s e s. An a l y z e s b a l a n c e sh e e ts, in c ome st a t e m e nts, a nd ca sh f lo w s of pot e nti a l bo rr ow er s to a s cer t a in c r e ditwo r thin e s s . M a int a ins c u rre nt, a d e qu a te a nd v er i f i e d f i n a n c i al in f o r m a tion on bo rr ow e r s a nd g u ara nt o r s a s re qu i re d b y a sso c i a tion poli c y . P erf o r ms lo a n s er vi c i n g t a sks, whi c h m a y in c lude p ar ti a l r e l ea s e s, subo r di n a tion ’ s to min era l l ea s e s a nd r i g ht of w a y s, division o r d er s, rea mo r ti z a tions, a ssumptions, s e v era n c e a g r e e m e nts, a nd insu r a n c e c l a ims. P erf o r ms c oll ec tions on a ssi g n e d lo a ns a nd a ssists m a n a g e m e nt with c oll ec tions on a ll lo a ns in the po r t f olio. W o r ks with d e linqu e nt bo rr ow er s to ob t a in s a tis fac to r y lo a n p er f o r m a n ce . Assu re s th a t a d e qu a te in s u ra n c e c ov e r a g e is m a int a in e d a s r e qui re d b y l o a n c onditions a nd monito r s a d v a lo re m t a x e s to insu r e th a t su c h t a x e s ar e p a id o n the s ec u r i t y . M a y a ssist with the title e x a min a tion on p r os p ec tive lo a ns to e nsu r e v a lidi t y of li e ns on p r o p er t y pl e dg e d a s c oll a t era l or s ec u r i t y int e re st on c h a tt e ls. M a y p r e p a r e lo a n c losing p ac k a g e s a nd f a c ilit a t es the lo a n c losing p r o ce ss a s re qui re d in a c c o r d a n c e with a ll a ppli ca ble a sso c i a tion a nd F C A poli c i e s a nd r e g ul a tions.

C A P I T AL F A RM CR E DIT P L AC E M E NT C R I TE RIA:
W ill usu a l l y h a ve lo a n a pp r ov a l a utho r i t y of a t l e a st $500,000 a n d in c lude both mo r t g a g e a nd c o m m erc i a l lo a ns. W ill g e n era l l y s u ppo r t lo a n o ff i cer s within a C F C Re g ion. W ill t y p i c a l l y b e r e sponsible f or c r e dit ac tiviti e s of oth e r a n a l y s ts a nd m a y h a ve some minimum sup er vision or o p era tion a l a utho r iti e s ov e r oth e r a n a l y sts while m a int a ining a v e r y c lose a nd int e g ra t e d wo r ki n g re l a tionsh i p. I n most ca s e s in c umb e nt will h a ve two to f ive y e a r s a s a lo a n o ff i c e r or c r e dit a n a l y st b e f o r e a tt a ining this t y p e of position. May h a ve p ar ti c ip a t e d in Asso c i a ti o n M e ntor P r og ra m a s a M e nt ee
Required Skills
SKILL REQUIREMENTS

G e n e r a l knowl e d g e o f a c c ountin g / f in a n c i a l s y s t e ms. S p ec i a li z e d knowl e d g e o f a c c 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 e r 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. Abili t y to p erf o r m int er m e di a t e- l e v e l acc ounti n g a nd f in a n c i a l a n a l y s e s und e r limit ed sup er vision
Required Experience Five ( 5) to se v e n (7) y e a rs of p r o g re ss i v e l y re s p onsible b a nking or r e lat e d a g r icultur a l l e ndi n g e x p e ri e n c e, with 2-5 years in their previous analyst/lending position.
Required Education
B ac h e lo r’ s d e g r e e in B u s in e ss Administ ra tion, F in a n ce , A g r i c ultu ra l E c on o mi c s, or a re l a t e d f i e ld. 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, serving and report of the Association’s mortgage and commercial loans by supporting loan officers and relationship managers in preparation and analysis of credit.

Details

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 a r e the on l y duti e s to be p erf o r m e d b y the e mpl o y e e o c c u p y i n g this position. Empl o y ee s w i ll be re qui re d to f ollow a n y oth e r job -re l a t e d inst r u c tions a nd to p erf o r m a n y oth e r job -re l a t e d duti e s r e qu e s t e d b y t h e sup er viso r . This position m a y f re q u e nt l y b ec ome involv e d in or be m a de a w a r 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 o m oth e r a ssi g n e d r e sponsibiliti e s or 3) with oth e r e mpl o 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 di s c los e d without a pp r ov a l or u s e d f or p e r son a l g a in. Non -c ompli a n c e with p r iv a c y o r c on f id e nti a l i n f o r m a tion r e qui re m e nts or e x p ec t a tions ca n r e sult in dis c iplin a r y ac tion up to a nd in c luding t e r min a tion of e mpl o y m e nt. All re qui re m e nts a r e s ubj ec t to possible modi f i ca tion to rea son a b l y acc ommod a te individ u 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 a f e t y of th e m s e lv e s or oth e r e mpl o y ee s. R e g ul a r a tt e nd a n c e is r e q ui re d in this job. This do c um e nt do e s not crea t e a n e mpl o 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 mpl o y m e nt r e 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 .

P HY S IC A L A C TIVIT I E S :
Ability to sit for long periods of time. Ability to stand for limited periods of time. Ability to walk for moderate distances. F re q u e nt f ing er /h a nd m a nipu l a tion (e . g . k e y bo a r d, o ff i c e e quipm e nt, sm a ll h a nd tools, e t c . ) . O c ca sion a l li f ti n g , car r y i n g , pushi n g , a nd/or pulling while e x er ting u p to 50 pounds of f o rce . Requires a v a lid d r iv e r ’ s li ce ns e.

Capital Farm Credit, ACA - 22 months ago - save job - block
Recommended Jobs
VP - Domestic Regulatory Compliance Offer
Argo Group - San Antonio, TX
Argo Group - 2 days ago
Easily apply

ASSOCIATE INDUSTRIAL ENGINEER l
Harland Clarke - San Antonio, TX
Harland Clarke - 17 days ago

Grant Writer
Accion Texas, Inc. - San Antonio, TX
Accion Texas, Inc. - 30+ days ago