Relationship Manager III - Kerrville

CapitalFarmCreditisthelargestrurallendingcooperativeinTexas,providingcreditandotherrelatedservicestofarmers,ranchers,ruralhomeowners,andagribusinesseswithover$12billionintotalassetsandover600teammembers.Weserve192countiesinTexaswithnearly70creditofficesandareaproudmemberofthenationwideFarmCreditSystem.

Weseekhighlymotivatedandengagedpeoplewhofosterthecorevaluesbehindwhoweare,howweworkandhowwetreatothers-withcommitment,trustandvalueandfamily-likerespectandappreciation.CapitalFarmCreditworksdiligentlytoensureweprovideourfull-timeemployeeswithamarket-basedcompensationprogramincludingcompetitivesalary,employeebenefits,participationinanattractivegoals-basedincentiveprogram,anddevelopmentopportunities.Asacustomer-ownedcooperative,ourcompensationandbenefitprogramsaredesignedtoalignthesuccessofourmemberswiththeemployee'ssuccess.

Ourcomprehensivebenefitprogramincludes,butisnotlimitedto:

• Anoutstandingcompany-wideincentiveprogram
• Accommodatingandflexiblevacationandsickleave
• 10-12paidholidays
• 401(k)planwithuptoa9%employercontribution/match
• Affordablehealth,dental,andvisionplans
• 8weeksofpaidparentalleave
• Employerpaidlifeinsuranceanddisability
• Tuitionreimbursement
• Upto$400/yearwellnessreimbursement

EDUCATIONREQUIREMENT:

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

JOBREQUIREMENTS:

• Five(5)ormoreyearsofprogressivelyresponsiblebankingorrelatedagriculturallendingexperience,orotherexperiencethattranslatestolendingexperienceasdeterminedatthediscretionofCapitalFarmCredit.
• Outstandingbusinessdevelopmentskillscomplimentedwithappropriatecreditknowledgeforthepurposeofgrowingportfoliowithqualityloans.
• Exceptionalcustomerserviceskillstosupportbusinessdevelopmentinitiatives.
• Abilitytoassessriskandproviderecommendationsonapprovalcommercialorrealestateloans.
• Goodstandingincurrentand/orpreviousemployment.
• Strongworkethicthatsupportsawillingnesstohandlemultipletaskswithefficiencyandaccuracy.
• WillrequireregistrationasaMortgageLoanOfficerundertheNationalMortgageLicensingSystem.
• Self-starter.
• Abilitytomakedecisionandworkwithlimitedonsitesupervision.
• CandidatesshouldresideinorbewillingtorelocatetotheKerrCountyarea.

FUNCTIONS:

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

• Assistswiththetitleexaminationprocessonprospectiveloanstoensurevalidityofliensonpropertypledgedascollateralorsecurityinterestonchattels.ReviewsloanclosingpackagesandfacilitatestheloanclosingprocessasrequiredinaccordancewithallapplicableassociationandFCApolicesandregulations.

PREFERREDSKILLS:

• AbilitytoworkwellwithandengagepeopleonacontinualbasisasarepresentativeoftheAssociationtobuildgoodwillandrapport.
• Abilitytofunctionwithinfastpaced,competitivesituationswithhighprofile/complexcustomers.
• Specializedknowledgeofaccounting/financeprinciples.
• Excellentverbalandwrittencommunicationskills
• BasictomoderateskillsetinMicrosoftOfficeApplications
• Strongbusinessdevelopmentskills
• Abilitytoperformintermediatelevelaccountingandfinancialanalysisundermoderatesupervision

AtthediscretionofCFC,positionmaybeofferedatalternatetitlesandotherbusinessexperiencemaybeconsideredrelevant.

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