Credit Officer College Station, Texas

Company: Tbwa Chiat/Day Inc
Location: Lubbock
Posted on: March 3, 2025

Job Description:

rating for loans and leases.

• Interprets, communicates, and provides guidance regarding Association lending policies and procedures.
• Develops and manages loan portfolios including loan originations in the trade area served by the association. Works with complex loans and loan participation packages.
• Reviews and approves loans and leases submitted by other lending staff that exceed their delegated authority.
• Complies with proper credit administration practices as outlined in the association's policies and procedures.
• Assists senior-level credit officers with complex loan/lease 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/leases 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 credit servicing tasks, which may include partial releases, subordination to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.
• Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with loan officers, administrators and Special Assets Group to service problem loans.
• 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 facilitate the loan closing process as required in accordance with all applicable association and FCA policies and regulations.PREFERRED SKILLS:

• Able to review financial statements and other information, and prepare concise, informed Credit Reviews.
• 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 complex accounting/financial analyses under limited supervision.
• Interact with other departments of the association, including legal, treasury, and loan administration. Represent CFC at lenders meetings and industry gatherings.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 request.Equal Opportunity StatementCapital 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.
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Keywords: Tbwa Chiat/Day Inc, Lubbock , Credit Officer College Station, Texas, Other , Lubbock, Texas