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
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