Job Description:

JOB DESCRIPTION CAREER OPPORTUNITY - AGRICULTURAL LOAN OFFICER

Position:

Senior Loan Officer Date:

August 10, 2026

Location :

Comanche and Early, Texas Salary:

Salary is commensurate with experience and qualifications. Central Texas Farm Credit is seeking a relationship-driven Loan Officer to support agriculture and rural communities through trusted, personalized lending. In this role, you'll be part of a collaborative, customer-focused team that blends sales expertise, sound credit judgment, and active community engagement to deliver meaningful financial solutions to our customer-owners. This position will support both our Comanche and Early branch offices which serve Brown, Comanche, and Mills counties. Comprehensive benefits package which includes, but is not limited to:

Medical, dental, vision, and life insurance
401(k) with employer match, plus HSA contributions
Paid annual leave, sick leave, and paid holidays
Employee incentive plan and corporate apparel

Company Profile:

Central Texas Farm Credit is a full-service agricultural lender covering 20 counties in Central Texas with branch offices located in Brady, Coleman, Comanche, Early, Haskell, San Angelo, and San Saba. We also have an administrative office located in Abilene. We have approximately $800 million in total assets which consists primarily of loans for livestock, crops and real estate. Central Texas Farm Credit is a member-owned cooperative that is well-capitalized with consistently strong earnings and credit quality. We have been a reliable source of credit to the farmers and ranchers of central Texas for over 100 years.

Job Purpose and Scope:

Processes and approves loans in assigned territory within the limits of specific delegated authority consistent with Association policies. Evaluates and services larger, more complex loans. Develops and manages loan portfolios including loan originations in the trade area served by the association. Has appreciable latitude for decision making; works under minimum supervision.

Develops and manages loan portfolios including loan originations in the trade area served by the association. Works with complex loans and loan participation packages.
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 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 loan servicing tasks, which may include partial releases, subordinations to mineral leases and right of ways, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.
Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
Complies with proper credit administration practices as outlined in the association's policies and procedures.
Performs collections on assigned loans and assists management with collections on all loans in the portfolio. Works with delinquent borrowers to obtain satisfactory loan performance.
Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to ensure that such taxes are paid on the security.
May assist with the title examination on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels.

Prepares loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA policies and regulations.

Summary of Desired/Required Education and Experience Requirements:

Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field (or equivalent experience).
Three (3) or more years of experience as a loan officer.
Agricultural lending experience (livestock, crops, and/or rural real estate).
Sales track record with strong community relationships in the trade area.
Ability to analyze financial statements and communicate credit recommendations clearly.
Knowledge of loan documentation, collateral perfection, and closing processes.
Valid driver's license and ability to travel within the assigned territory.

If you meet the minimum qualifications and wish to be considered for this position, please apply through the link at the bottom of this job posting. This position is currently open and will close upon filling. At the sole discretion of Central Texas Farm Credit, individuals with less than minimum experience requirements may be considered with the position adjusted to a commensurate title.

AA/EOE/M/F/D/V

We are an Equal Employment/Affirmative Action employer. 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