Capital Markets & Risk Analyst March 21, 2019

Company Profile

Texas Farm Credit (TFC) was established January 1, 2014 from the merger of AgriLand, Farm Credit Services and Texas AgFinance, Farm Credit Services. As a customer-owned cooperative, we operate in our borrowers’ best interests and cater to their short and long term credit needs, with flexible financing solutions and an array of cash management products and services. Texas Farm Credit finances agricultural production, rural land, agribusiness needs and country homes. Our rural lending professionals can structure a loan to meet the customer’s individual needs, from cattle and timber loans to rural real estate mortgages and complex agribusiness financing packages.

Job Scope

Assists in the analysis, servicing, and reporting of the Association’s purchased and originated commercial loans. Performs credit administration, financial analysis, monitoring and due diligence reviews of purchased participations and loan originations of moderate complexity and risk. Additionally, assists in the analysis of processes and controls designed to ensure sound business practices and ensure compliance with applicable laws and regulations governing all aspects of credit and administrative operations of the Association. Works under moderate supervision.

Education and Experience Requirements

Bachelor’s degree in finance, business administration or a related field, or equivalent experience and two (2) or more years of experience in the analysis of credit on commercial and other complex loans. Experience should include working with loan officers in structuring and evaluating loans.

Skill Requirements

Knowledge of accounting/finance systems and principles; knowledge and skills in financial statement analysis with emphasis on large, complex agribusiness type credits; knowledge of audited financial statements; ability to perform intermediate level accounting and financial analyses; skill in oral and written communication skills and developing interpersonal relationships; should have an intermediate skill level in Microsoft Office applications.

Essential Functions

• Analyze financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with all capital market participation loans that are being contemplated by the Association.
• Determine probability of default (PD) ratings as appropriate and make recommendations for approval or denial of loans. Prepare the narrative for presentation, and make a recommendation to the loan committee.
• Perform investigations on the originators and servicers of the participation loans being considered for purchase to assure their ability to provide continued and proper servicing of the loan. Prepare reports for presentation to the loan committee detailing the findings of the investigations. Perform an annual review of the originators and servicers with which the Association has loan exposure and report the results to the loan committee.
• Monitor capital market transactions received from the Farm Credit Bank to assure that the interest rate, spread, and terms of the loan are being adhered to as set forth in the certificate of participation.
• Review financial information as it is received from the Bank and other originators on outstanding credits. On publicly traded entities, review on-line reports in addition to any financial data received from the Bank or other originators. Often times, an annual review will be required on purchased participations. Perform analyses as the situation requires on entities that are experiencing financial difficulty.
• Monitor credits known to be experiencing financial difficulty and keep the appropriate association staff informed on current events regarding the credit that may have an impact on the Association.
• Monitor and analyze capital market opportunities that are offered to the Association.
• Inform the appropriate association staff of any opportunities that would be an acceptable credit risk for consideration by the loan committee.
• Maintain the Association’s capital market and other participation loan files. This includes the offers and certificates of participation. Monitor and assure that loan covenants are complied with.
• Perform credit analyses on requests for credit from the Association’s regular portfolio applicants as needed.
  Perform daily servicing and monitoring of certain assigned lending relationships for certain large agribusiness firms. Respond to customer inquiries, correspond with participating lenders, and frequently engage with the Association’s legal counsel. Report potential problems or issues arising from lending relationships to the appropriate association staff.
• Ensure that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
• Comply with proper credit administration practices as outlined in the Association’s policies and procedures.
  Assist the Chief Risk Officer with the identification, measuring, managing, and reporting of meaningful existing and emerging risks.

To Apply

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