Requisition Number: 2023-11-004
Job Title: Credit Officer - Commercial Ag Livestock & Dairy
City: Lubbock
State: TX

Credit Officer - Commercial Ag Livestock & Dairy

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Description/Job Summary


  • This position may be located in Lubbock, Amarillo, or Round Rock. 


  • Bachelor’s degree in Finance, Business Administration or a related field, or equivalent experience


  • Six (6) to seven (7) years of experience in the administration and analysis of complex credits on commercial and mortgage loans and leases.
  • Experience in structuring and evaluating complex loan, lease and credit servicing actions is essential. This may include purchased and sold loan and lease participations.
  • Preference given to either:
    Underwriting large, complex, dairy and feedyard credit experience preferred.


  • Provides assistance to Loan Officers, Special Assets Officers and Administrators in analysis and servicing of the Association’s loans and leases.
  • Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers and borrowers to ascertain credit worthiness. Determines appropriate Probability of Default {PD} rating for loans and leases.
  • Analyzes collateral and borrower primary and secondary repayment sources.  Determines appropriate Loss Given Default {LGD} 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.
  • Interprets, communicates, and provides guidance regarding association lending policies and procedures.
  • 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.


  • 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.


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 program
  • Accommodating and flexible vacation and sick leave
  • 10-12 paid holidays
  • 401(k) plan with up to a 9% employer contribution/match
  • Affordable health, dental, and vision plans
  • 8 weeks of paid parental leave
  • Employer paid life insurance and disability
  • Tuition reimbursement
  • Up to $400/year wellness reimbursement
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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 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.