SVP Dir of Commercial Credit

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 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 other related field, plus ten (10) years’ experience focused on the credit analysis function for a related lender with a minimum of five (5) years management experience in large and/or complex loans (over $2.5 million).

• Previous experience to show a thorough understanding of agriculture / agribusiness as a business and industry.

• This experience will also include appropriately structuring loan terms, as well as experience in both operating/production and mortgage loans, accounting standards, banking regulations, operations, and credit practices.

• Experience with Farm Credit System or other Agricultural Lender preferred, A Certified Public Accounting designation, or post-graduate degree or professional certification in Accounting, Finance or related field will be considered favorably.

• Must be well versed in the effective use of various loan analysis software programs/tools.

JOB SUMMARY:

• Performs manager level credit administration of the Credit Department’s commercial portfolio and monitoring of larger credits, including those of a complex nature.
• Will oversee the staff of Association Credit Analysts and provide for the administration and flow of actions that require the Association’s Credit Committee Has a key role in implementing, communicating, and ensuring adherence to Association’s credit philosophy and underwriting standards consistent with the Association’s credit policy and business plans.
• Works under limited supervision and coordinates with others in the department as well as the entire Association. as needed.
• Assists Chief Credit Officer and CLO in strategic planning and special projects. 

FUNCTIONS:

• Effective leader of credit professionals across the Association with special emphasis on bringing consistency to credit underwriting and structuring to commercial business needs.
• Make recommendations for improvements of credit function within the Association, including new technology, enhanced processes and procedures and other resources needed to improve efficiencies in credit delivery.
• Sponsors and leads credit teams in developing systems and processes to effectively underwrite traditional credit in a consistent and effective process using a risk-differentiated approach. 
• Work directly with EVP, Chief Credit Officer in setting acceptable risk tolerance levels for the Association, particular to the commercial business portfolio.   
• Experienced in providing guidance to regional credit teams in working through problem loan situations (Special Asset accounts) to minimize the risk to the Association. A strong understanding of borrower rights, forbearance processes, foreclosure actions, etc.
• Provide input to department’s annual business plan and projected needs in the future.
• Provide, follow, and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner.
• Required to prepare and make effective b