Commercial Credit Manager I

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. Our 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 Round Rock, Texas. EDUCATION REQUIREMENT: Bachelor’s degree in business administration, Finance, Accounting, Agricultural Economics, or a related field. JOB REQUIREMENTS: Seven (7) to ten (10) of experience in the administration and analysis of complex credit facilities for large agribusiness and commercial loans and leases, or equivalent experience. Three (3) or more years in a lead, supervisory and/or management position required. FUNCTIONS: • Coaches and trains commercial and capital markets relationship managers, credit analysts and loan administrators in the origination and servicing of Association’s largest and most complex borrowers' loans and leases (direct, purchased participations and sold participations). • Establishes goals and objectives for credit analyst team in the Division served. • Manages delegated authority for credit analysts in the Division served • Assists in the management of loan and leases in the Division served in an effort to maintain acceptable risk levels and carry out association goals and objectives. • Hires, and evaluates credit analysts in the Division served. • Consults and works closely with Chief Credit Officer, Directors of Credit, Commercial and Capital Market's Lending Directors, other Commercial Ag Credit Group Credit Managers and their respective staffs on loan/lease origination and servicing. • Provides input on analysis, pricing and structuring of credits in Division served. • Mentors credit and administrative staff in the analysis and structuring of loans and leases. • Serves as a loan committee member to review and approve or deny loans and leases that exceed the delegated authority of loan officers and credit analysts. • Resolves issues related to credit underwriting by actively working with the Commercial and Capital Market's Lending Directors. • Responsible for compliance with credit standards for the Division served. • Ensures that loans and leases in Division portfolio are properly underwritten by credit analyst team. This include ensuring loans and leases are properly risk rated and assigned appropriate Probability of Default (PD) and Loss Given Default (LGD) ratings. • Complies with proper credit administration practices as outlined in association’s policies and procedures. • Demonstrates the “CFC Way” in all areas of credit underwriting. • Conducts complex credit analyses, including properly identifying risk rating on large commercial and capital markets loans and leases. • Determines creditworthiness of applicants for new loans or leases and credit servicing action in Division served. • Manages and oversees the underwriting process on credits in the Division served which are non-performing and assist other stakeholders in the development of corrective action plans or restructuring actions. • Prepares budgets for credit underwriting operations associated with the Division served. Collaborates with the Director of Commercial Ag Credit in the budget process. • Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations. Ensures all credit underwriting operations comply with applicable policies, regulations, and laws. Oversees the preparation of all reports required by association management, the Board of Directors, and regulatory bodies. • Oversees and consults completion of complex loan and lease servicing tasks. • Promotes the association by maintaining good public and member relations. REQUIRED SKILLS: Experience leading teams in structuring and evaluating large complex loan, lease, and credit servicing actions for commercial, agribusiness and capital markets customers. Commitment to mentoring and developing others. Deep understanding of relevant market trends in Division served. Excellent communication (oral and written) and interpersonal skills, with the ability to work effectively as part of a deal team Ability to work independently and under minimal supervision, with appreciable latitude for decision-making. Specialized knowledge of accounting and finance principles. Intermediate skill level in Microsoft Office applications. PREFERRED SKILLS: Knowledge of Farm Credit System and its lending and credit practices. DISCLAIMER: We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at [email protected] and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the EEO - Know Your Rights and Pay Transparency Statement . At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request. Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed. Equal Opportunity Statement Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidate's experience and qualifications. We welcome applicants of all backgrounds and do not discriminate based on race, color, gender, religion, national origin, disability, veteran status, or any other protected status. A full job description is available upon request. Candidates selected for hire will be required to complete a background check, including criminal history, education verification, and employment verification. A credit check will be required for roles that require NMLS registration.

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