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Location: - (San Antonio / Hondo, Texas, South-West United States, USA)
Company: Farm Credit Bank of Texas
Open Til: 15-Mar-12
Industry Sector: Agribusiness
Industry Type: Finance/Banking
Career Type: Financial Services
Job Type: Full Time
Minimum Years Experience Required: 5
Salary: Commensurate with experience and qualifications
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POSITION: VP Credit Officer
LOCATION: Capital Farm Credit—Hondo or San Antonio (At the sole discretion of Capital Farm Credit Other San Antonio Region Locations may be acceptable)
SALARY: Commensurate with experience and qualifications
QUALIFICATIONS: Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and five (5) to seven (7) years of progressively responsible banking or related agricultural lending experience.
PURPOSE/SCOPE: Assists Relationship Managers or Loan Officers in the analysis, servicing, and reporting of the Association’s mortgage and commercial loans. Processes and approves loans in assigned territory within the limits of specific delegated authority consistent with Association policies. Evaluates and services loans with higher levels of complexity and risk. Develops and manages loan portfolios including loan originations in the trade area served by the association. Assists in training less-senior loan officers and credit personnel to ensure quality service and attainment of the Association’s credit goals. Has appreciable latitude for decision making; works under minimum supervision.
SKILLS: General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to perform intermediate-level accounting and financial analyses under limited supervision.
ESSENTIAL FUNCTIONS: Develops and manages loan portfolios including loan originations in the trade area served by the association. Works with complex loans and loan participation packages. Provides analysis, servicing and reporting of the associations mortgage and commercial loans. Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness. Determines Probability of Default (PD) ratings as appropriate and make recommendations for approval or denial of loans. Interprets, communicates, and provides guidance regarding association lending policies and procedures. Reviews and approves loans submitted by other lending staff that exceed their delegated authority. 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. Assists senior-level credit officers with complex loan applications as necessary. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues. Makes and services loans and leases within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility. Conducts complex credit analyses. Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness. Maintains current, adequate and verified financial information on borrowers and guarantors as required by association policy. Performs loan servicing tasks, which may include partial releases, subordination’s to mineral leases and right of ways, division orders, reamortizations, assumptions, severance agreements, and insurance claims. Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance. Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to insure that such taxes are paid on the security. May assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels. May prepare loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
OTHER: Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management, CEO, and/or board of directors. Occasional interaction with Farm Credit Bank of Texas staff. Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the association in the normal course of business. 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. May require a valid driver’s license. Compliance with FCBT and Association technology and security standards is required. 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 the supervisor. This position may frequently become involved in or be made aware of confidential business or personal information as a result of interactions 1) arising under its Job Purpose and Scope, 2) arising from other assigned responsibilities or 3) with other employees. It is an expectation and requirement of the job that confidential information of the bank, its associations and their customers be handled in a professional manner and not be disclosed without approval or used for personal gain. Non-compliance with privacy or confidential information requirements or expectations can result in disciplinary action up to and including termination of employment. 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 at a different title based upon the requisite qualifications of the selected candidate. The essential functions may be adjusted as well but will be those necessary to analysis credit activities and support loan functions Association.
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 As