Relationship Manager II - Wichita Falls

Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses with over $12 billion in total assets and over 600 team members. We serve 192 counties in Texas with nearly 70 credit offices and are a proud member of the nationwide Farm Credit System.

We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others - with commitment, trust and value and family-like respect and appreciation. Capital Farm Credit works diligently to ensure we provide our full-time employees with a market-based compensation program including competitive salary, employee benefits, participation in an attractive goals-based incentive program, and development opportunities. As a customer-owned cooperative, our compensation and benefit programs are designed to align the success of our members with the employee's success.

Our comprehensive benefit program includes, but is not limited to:

• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays
• 401(k) plan with up to a 9% employer contribution/match
• Affordable health, dental, and vision plans
• 8 weeks of paid parental leave
• Employer paid life insurance and disability
• Tuition reimbursement
• Up to $400/year wellness reimbursement

EDUCATIONREQUIREMENT:

• Bachelor'sDegreeinFinance,BusinessAdministration,AgEconomics,AgBusinessorrelatedfield,orexperiencedeemedequivalentbyCapitalFarmCredit.

JOBREQUIREMENTS:

• Threeormoreyearsofexperienceasaloanofficerorloanofficerassociateorcommensuratetitle,orotherexperiencethattranslatestolendingexperienceasdeterminedatthediscretionofCapitalFarmCredit.
• Outstandingbusinessdevelopmentskillscomplimentedwithappropriatecreditknowledgeforthepurposeofgrowingportfoliowithqualityloans.
• Exceptionalcustomerserviceskillstosupportbusinessdevelopmentinitiatives.
• Abilitytoassessriskandproviderecommendationsonapprovalcommercialorrealestateloans.
• Goodstandingincurrentand/orpreviousemployment.
• Strongworkethicthatsupportsawillingnesstohandlemultipletaskswithefficiencyandaccuracy.
• WillrequireregistrationasaMortgageLoanOfficerundertheNationalMortgageLicensingSystem.
• Beneficialforthecandidatetohavebothrealestateandproductionagricultureknowledge.

FUNCTIONS:

• Responsiblefordevelopingnewbusinessintheassignedofficeinadditiontoservicingexiting,commercialandrealestatecustomers.Reviewsloananalysiswithintheguidelinesandpoliciesoftheassociation,processesandapprovesloanrequestswithinthelimitsofdelegatedauthorityandinaccordancewithAssociationguidelines.Preparesandsubmitsloanrequeststhatexceeddelegatedlendingauthoritytotheappropriatemanagementlevelalongwithrecommendationforapprovalorrejection.WorkswithotherAssociationpersonnelincludingcreditanalysts'lnloansexceedingdelegatedauthority.Establishesbusinessrelationshipswithagriculturalproducers,rurallandownersandbusinessleadersinthecommunityandcultivatestheserelationshipstoexpandlendingopportunities.
• Representstheassociationatlocalandregionalcommunityandmarketrelatedactivities.Promotestheassociationbymaintaininggoodpublicandmemberrelationsandassistswithorattendscorporatefunctions.
• Makesandservicesleases,loansforoperatingequipmentandrealestate,andofferingotherrelatedservicessuchascashmanagementproductsandcropinsuranceswithindelegatedauthorityandinaccordancewithassociationpolicies.Makesand/orconveysdecisionsonloanapproval,structureandpricing.Responsibleforexercisingcreditriskmanagementresponsibilitiesonloanswithinareaofresponsibility.
• Determinestheeligibilityandscopeoffinancingforallnewloansandensuresverificationofassetsandliabilities.Securesbackgroundandcredithistoryonnewloans,repeatloansandrenewals.Providesforevaluationofloancollateralinaccordancewithassociationpoliciesandprocedures.Workswithloanprocesstoensureproperlienperfectiononallcollateral.
• Developsproficiencyinsimpletomoderatelycomplexcreditanalyses.Reviewsbalancesheets,incomestatementsandcashflowsofpotentialborrowstoascertaincreditworthiness.Workswithcreditanalystsonloansinprocessandmaintainscurrent,adequateandverifiedfinancialinformationonborrowersandguarantorsasrequiredbyAssociation.
• Performsloanservicingtasks,whichmayincludepartialreleases,reamortizations,assumptions,additionaladvances,extensions,conversions,insuranceclaims,subordinationstomineralleasesandrightofways,divisionorders,severanceagreements.
• Ensuresthatallassignedloansareproperlyriskrated,assignedlossgivendefaultsarecorrectandperformancestatusassignmentsareproper.
• Complieswithpropercreditadministrationpracticesasoutlinedintheassociation'spoliciesandprocedures.
• Assistsstaffandmanagementwithcollectionsonallloansintheportfolio.Workswithdelinquentborrowerstoobtainsatisfactoryloanperformance.
• Assuresthatloancovenantsaremaintainedasrequired.
• Assistswiththetitleexaminationprocessonprospectiveloanstoensurevalidityofliensonpropertypledgedascollateralorsecurityinterestonchattels.ReviewsloanclosingpackagesandfacilitatestheloanclosingprocessasrequiredinaccordancewithallapplicableassociationandFCApolicesandregulations.

PREFERREDSKILLS:

• Excellentverbalandwrittencommunicationskills
• BasictomoderateskillsetinMicrosoftOfficeApplications
• Strongbusinessdevelopmentskills
• Generalknowledgeofaccountingandfinancialsystems
• Abilitytoperformintermediatelevelaccountingandfinancialanalysisundermoderatesupervision

AtthediscretionofCFC,positionmaybeofferedatalternatetitlesandotherbusinessexperiencemaybeconsideredrelevant.

AA/EOE/M/F/D/V;Fulldescriptionavailableonrequest