Relationship Manager II
Company: Capital Farm Credit
Location: Seminole
Posted on: September 18, 2023
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Job Description:
Description/Job SummaryEDUCATION REQUIREMENT:Bachelor s Degree
in Finance, Business Administration, Ag Economics, Ag Business or
related field, or experience deemed equivalent by Capital Farm
Credit. JOB REQUIREMENTS:Three or more years of experience as a
loan officer or loan officer associate or commensurate title, or
other experience that translates to lending experience as
determined at the discretion of Capital Farm Credit.Outstanding
business development skills complimented with appropriate credit
knowledge for the purpose of growing portfolio with quality
loans.Exceptional customer service skills to support business
development initiatives.Ability to assess risk and provide
recommendations on approval commercial or real estate loans.Good
standing in current and/or previous employment.Strong work ethic
that supports a willingness to handle multiple tasks with
efficiency and accuracy.Will require registration as a Mortgage
Loan Officer under the National Mortgage Licensing System.
FUNCTIONS:Responsible for developing new business in the assigned
office in addition to servicing exiting, commercial and real estate
customers. Reviews loan analysis within the guidelines and policies
of the association, processes and approves loan requests within the
limits of delegated authority and in accordance with Association
guidelines. Prepares and submits loan requests that exceed
delegated lending authority to the appropriate management level
along with recommendation for approval or rejection. Works with
other Association personnel including credit analysts ln loans
exceeding delegated authority. Establishes business relationships
with agricultural producers, rural landowners and business leaders
in the community and cultivates these relationships to expand
lending opportunities.Represents the association at local and
regional community and market related activities. Promotes the
association by maintaining good public and member relations and
assists with or attends corporate functions.Makes and services
leases, loans for operating equipment and real estate, and offering
other related services such as cash management products and crop
insurances 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.Determines the eligibility and scope of financing
for all new loans and ensures verification of assets and
liabilities. Secures background and credit history on new loans,
repeat loans and renewals. Provides for evaluation of loan
collateral in accordance with association policies and procedures.
Works with loan process to ensure proper lien perfection on all
collateral.Develops proficiency in simple to moderately complex
credit analyses. Reviews balance sheets, income statements and cash
flows of potential borrows to ascertain creditworthiness. Works
with credit analysts on loans in process and maintains current,
adequate and verified financial information on borrowers and
guarantors as required by Association. Performs loan servicing
tasks, which may include partial releases, reamortizations,
assumptions, additional advances, extensions, conversions,
insurance claims, subordinations to mineral leases and right of
ways, division orders, severance agreements.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 staff
and management with collections on all loans in the portfolio.
Works with delinquent borrowers to obtain satisfactory loan
performance.Assures that loan covenants are maintained as
required.Assists with the title examination process on prospective
loans to ensure validity of liens on property pledged as collateral
or security interest on chattels. Reviews loan closing packages and
facilitates the loan closing process as required in accordance with
all applicable association and FCA polices and regulations.
PREFERRED SKILLS:Excellent verbal and written communication
skillsBasic to moderate skill set in Microsoft Office
ApplicationsStrong business development skillsGeneral knowledge of
accounting and financial systemsAbility to perform intermediate
level accounting and financial analysis under moderate supervision
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
requestDetails: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 $11 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 programAccommodating and flexible vacation and sick
leave10-12 paid holidays401(k) plan with up to a 9% employer
contribution/matchAffordable health, dental, and vision plans8
weeks of paid parental leaveEmployer paid life insurance and
disabilityTuition reimbursementUp to $400/year wellness
reimbursement Interested in joining our Team? Submit your
application by clicking on APPLY TO THIS POSITION. 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
careers@CapitalFarmCredit.com 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.
Keywords: Capital Farm Credit, Odessa , Relationship Manager II, Executive , Seminole, Texas
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