Collateral Auditor II

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. EDUCATION AND EXPERIENCE Bachelor's Degree in agricultural economics, business administration, finance, or other related field, plus five (5) to seven (7) years of experience in audit and risk management, as it relates to collateral and working capital type assets. An advanced understanding of agriculture/agribusiness as a business/industry, asset lending, loan structuring, credit arrangements, collateral audits, and general banking products/services. Complex knowledge of loan workouts including bankruptcy, troubled debt restructurings, and borrowers and creditors’ rights. Advanced knowledge of accounting/bookkeeping, banking regulations, operations, and credit practices. Complex understanding of financial analysis of commercial/corporate and production agricultural credits. Experience with Farm Credit System and rolling stock equipment valuations are a plus. JOB SUMMARY • Conducts collateral audits in loan pre-closings and periodic follow ups, including collateral audits of production agriculture loans for multi-lender loan syndications/participations. • Supports training of the Association’s staff, and where applicable, other entities. • Responsible for the collateral audit delivery process that includes, but is not limited to, assessing short/long-term risks and management . • Monitors credit policy compliance of factors like advance rates. • Works under limited supervision and coordinates with others in the department as well as the entire Association as needed. • Assists in monitoring and overseeing loan/business relationships, financial performance and related Association risk that may result from the debtor/creditor relationships with other Associations. • Assists collateral audit managers in special projects as needed. ESSENTIAL FUNCTIONS • Prepares reports summarizing findings, including borrowing base reporting exceptions and suggestions for correction and/or improved interpretation and reporting. • Interacts regularly with the Association’s customers, to constructively support their understanding of borrowing base report preparation to ensure its accuracy. • Implements a credible collateral audit approach that is unique to each customer yet encompasses the critical dimensions of auditing a borrower’s working capital-based loan transactions. • Coordinates collateral audits scheduling, which will include establishing a tickler system for timely alerts to Association staff on when a collateral audit is due. • Makes recommendations regarding individual transactions or loans for improvements of credit function, including new technology, resources, etc. needed to perform at a high level. • Provides, follows up, and conveys verbal instructions. Provides and receives feedback in an appropriate and respectful business manner. • Adept in conflict management, adaptability, problem-solving, multi-tasking, influencing others, creativity, and being a self-starter. • Assists other Association personnel in completing coordinated projects as assigned. • Involved in the preparation of industry/sector analysis as directed by the collateral audit manager. • Conducts/participates in collateral audits for multi-bank loan syndications or participations. • Develops memos and related presentations to loan committee and senior management. • Ensures areas of involvement comply with applicable laws, Farm Credit regulations and Association policies. • Assist Relationship Managers and Credit Analysts with the managing/monitoring of existing or new loan through providing input on credit structure, terms, conditions, etc. as directed by the Department Manager. REQUIRED SKILLS Excellent interpersonal relations, administrative, research (including Internet) and communication skills are required. Strong analytical skills to maintain sound collateral audit standards, assessing a borrower’s risk management program (including, but not limited to things like hedging, insurance coverage, and operating practices) and evaluate and structure loan proposals. Must have some knowledge of business and legal practices in mortgage and commercial/operating lending, including credit standards, and real estate and equipment appraisal requirements. Must be proficient with Microsoft Office software. Ability to effectively coordinate input from many sources to complete an assignment. 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. 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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