About Us 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, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture.

Why Join Us

We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer-owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment.

Benefits

: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match.

Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life Disability Insurance: Employer-paid coverage.

Education Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you’ll find more than a job—you’ll find purpose. LOCATION The preferred location for this position is College Station, Round Rock, or Lubbock, Texas.

Other CFC office locations may be considered based on space availability. EDUCATION AND EXPERIENCE Bachelor’s degree in finance, Accounting, Agribusiness, Business Administration or a related field, or equivalent experience. Six (6) years or more of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases.

Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential, and requires proficiency in oral and written communication. JOB SUMMARY The Commercial Credit Officer collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers, and Administrators in performing detailed financial analysis of commercial agriculture and agribusiness credits. This role involves assessing creditworthiness, conducting market research, and performing high-level credit analysis and structuring of the Association’s largest and most complex borrowers.

The Credit Officer will work independently and under minimal supervision, as part of a deal team that guides credit actions through the entire process from initial discussions through underwriting, decision-making, closing, and servicing. Processes and approves loans and leases in multiple territories within the limits of specific delegated authority consistent with Association policies. Trains less-senior loan officers and credit analysts to ensure quality service and attainment of the Association’s credit goals.

Has appreciable latitude for decision making as part of a deal team. Builds strong relationships with client management/owners and other financial institutions and assists in the management of purchased and sold loan and lease participations. ESSENTIAL FUNCTIONS Collaborates with Commercial and Capital Markets Relationship Managers, Special Assets Officers and Loan Administrators in structuring, analysis, and servicing of the Association’s largest and most complex borrowers' loans and leases.

Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default {PD} rating for loans and leases. Analyzes collateral and borrower primary and secondary repayment sources.

Determines appropriate Loss Given Default {LGD} rating for loans and leases. Demonstrates a strong understanding of key ratio analysis, and the relationship of those ratios on the various financial statements (balance sheet, income statement, cash flow statement, etc).