Market President of Commercial Credit

COMPANY PROFILE :

AgTexas Farm Credit Services serves and supports approximately 2,600 member / borrowers in areas of lending, insurance sales, appraisal, and / or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the Association has an average volume of approximately $3.2 billion. The lending portfolio consists of cotton, livestock, dairy, feed grains, real estate, and ag-related business loans. Additionally, the Association territory provides diversity in production and mortgage loans as well as commodities financed. Without strong financial backing farmers and ranchers will not survive, and people will not have food to eat or clothes to wear. AgTexas provides reliable credit and crop insurance to our member-owners, so they can feed and clothe the world.

PROFILE :

The Market President of Commercial Credit plans, directs and manages the overall operations of the commercial credit division. Has considerable latitude for decision making in the implementation of Association goals. Responsible for leadership and accountability throughout team and is seen as a senior leader via expertise throughout the Association. Contributes strategic insight through department planning and initiatives.

MINIMUM EDUCATION AND EXPERIENCE :

Bachelor's degree in business administration, finance, agricultural economics, or a related field, or equivalent experience plus seven (7) or more years of progressively responsible banking or related agricultural credit underwriting experience including three (3) or more years in a supervisory and / or management position. Experience should include a broad understanding of lending regulations, credit operations, and credit practices.

KEY RESPONSIBILITIES :

• Concentrates predominantly on oversite and direction of the commercial and consumer credit department.
• Mentors credit officers and leaders on developing, training, and growing the commercial team.
• Has input in the strategy and direction of the department through collaboration with Senior Market President.
• Monitors results of the department as it relates to the goals and objectives set forth each year and makes strategic adjustments as needed.
• Reports these results monthly or as requested by the supervisor.
• Works as needed with members of the team to bring resolution of service issues of clients.
• Promotes the Association by maintaining good public and member relations.
• Active member of Sr. Loan Committee.
• Consults with staff on routine loan origination and the analysis, pricing, and structuring of credit. Directs and mentors' staff in the analysis and structuring of large and / or complex loans that may entail higher risk to the Association.
• Monitors credit quality and ratings. Meets with customers and business owners to promote new loans, investigate complaints, and resolve customer service issues.
• Reviews past due credits and oversees the development of corrective action plans.
• Assures that action plans for high-risk credits are properly developed and executed.
• Responsible for compliance with internal controls, credit standards, and standards of conduct for the teams supervised. Ensures that loans in the portfolio 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 Association's policies and procedures.
• Monitors progress and informs management of the assigned market's success in meeting Association goals.
• Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations.
• Ensures all operations comply with applicable policies, regulations, and laws.
• Oversees the preparation of all reports required by Association management, the Board of Directors, and regulatory bodies.
• Works with other Market Presidents and Sr. Market Presidents to promote a healthy culture and an atmosphere of teamwork.

WORKING RELATIONSHIPS :

Frequent interaction with customers, Association departmental staff and management. Frequent interaction with Association senior management, CEO, and / or board of directors. Occasional interaction with Farm Credit Bank of Texas staff. Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the Association in the normal course of business.

EOE / AA / M / F / D / V

AgTexas FCS is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, national origin, protected veteran status, sexual orientation, gender identity or genetic information.

Persons with disabilities who require an accommodation to complete the application process should call our Lubbock office at (806) 745-4575 and ask to speak to one of our HR representatives to request accommodation in the application process.