Internal Credit Review Manager

<div class="content-intro"><p><strong>About Us</strong><br>Capital Farm Credit is the largest rural lending cooperative in Texas, serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members, we provide essential financial services to farmers, ranchers, rural homeowners, and agribusinesses. As part of the nationwide Farm Credit System, we are dedicated to supporting rural communities and agriculture.</p> <p><strong>Why Join Us?</strong><br>We seek motivated individuals who share our core values: commitment, trust, value, and family-like respect. As a customer-owned cooperative, we align employee success with member success, offering competitive pay, growth opportunities, and a supportive environment.</p> <p><strong>Our Benefits:</strong></p> <ul> <li><strong>Incentive Program:</strong> Company-wide, goals-based rewards.</li> <li><strong>Accrued Time Off:</strong> Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 10-12 paid holidays annually.</li> <li><strong>Retirement:</strong> 401(k) with up to 9% employer contribution/match.</li> <li><strong>Health Coverage:</strong> Affordable medical, dental, and vision plans.</li> <li><strong>Parental Leave:</strong> 8 weeks of paid parental leave.</li> <li><strong>Life &amp; Disability Insurance:</strong> Employer-paid coverage.</li> <li><strong>Education &amp; Wellness:</strong> Tuition reimbursement and up to $400 for wellness expenses.</li> </ul> <p>&nbsp;</p> <p>At Capital Farm Credit, you’ll find more than a job—you’ll find purpose.</p> <p>&nbsp;</p></div><p><strong><span class="fontstyle2">LOCATION</span></strong></p> <p><span style="font-family: Calibri; font-size: 12.0pt;">This preferred location for this position in at our Headquarters in College Station, Texas. However, it is open to other offices with space availability.&nbsp;</span></p> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;"><span style="font-weight: bold;">EDUCATION AND EXPERIENCE</span></p> <div> <table style="border-collapse: collapse; border: 0pt solid rgb(163, 163, 163); height: 60px; width: 77.4521%;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="border-width: 0pt; background-color: white; vertical-align: top; width: 100%; padding: 4pt;"> <ul style="margin-top: 0in; margin-bottom: 0in;" type="disc"> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Bachelor’s degree in business, accounting, finance, economics, or related discipline and seven (7) or more years’ experience in banking, credit analysis, financial/accounting services, or audit. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Previous experience as a credit analyst or loan officer preferred.</span></li> </ul> </td> </tr> </tbody> </table> </div> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;">&nbsp;</p> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;"><span style="font-weight: bold;">JOB SUMMARY</span></p> <ul style="margin-top: 0in; margin-bottom: 0in;" type="disc"> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Responsible for overall management of the Internal Credit Review (ICR) department. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">This responsibility includes supervision and development of assigned personnel to assess Association risk identification and credit administration practices through systematic review of loan portfolio samples and the subsequent assimilation of review results into thorough and concise reports for presentation to senior management and the Audit Committee of the Board of Directors.</span></li> </ul> <p>&nbsp;</p> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;"><span style="font-weight: bold;">ESSENTIAL FUNCTIONS</span></p> <ul style="margin-top: 0in; margin-bottom: 0in;" type="disc"> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Selects, trains, develops, motivates, evaluates, and manages internal credit review staff. Directs, counsels, and instructs staff assigned to the credit reviews and assesses their work for sufficiency of scope and accuracy.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Assists with developing and implementing an annual risk assessment and credit review plan.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Continued risk assessment of overall Association activities resulting in effective management of internal credit review resources.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Develops and maintains standards for scope of review selection and standards for work papers and supporting documentation.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Assists with organizing and coordinating all activities of individual credit reviews including scheduling review dates with the appropriate department heads.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Conducts assigned reviews consistent with procedures, standards, and regulations.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Prepares well organized and readily understandable work papers for each review that accurately document work performed, satisfy review objectives, meet quality standards, and support conclusions.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Prepares meeting documents and reports for internal reviews to ensure identified risks are communicated to appropriate individuals.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Articulates conclusions regarding risks and pertinent recommendations to counteract potential loss, improve processes and avoid adverse regulatory findings.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Initiates various specialized projects and/or targeted reviews when required.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Reports credit review findings to the Audit Committee of the Board of Directors. Discussions include the overall conclusion of the credit review, and recommendations, including management’s response to those recommendations.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Follows up on management responses as a result of credit reviews to substantiate/evaluate the implementation of recommended changes.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Coordinates with external auditors, the bank, and Association staff, as appropriate, to avoid unnecessary redundancy of audit activities.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Maintains a positive and professional image in all communications with Association staff, outside auditors, the Farm Credit Administration, and other Farm Credit entities.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Assists other departments, as needed, to complete special projects such as due diligence reviews, consulting to improve controls, etc.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Performs other department related tasks as assigned.</span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle;"><span style="font-family: Calibri; font-size: 11.0pt;">Fosters a team environment and is a resource to department staff.</span></li> </ul> <p>&nbsp;</p> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;"><span style="font-weight: bold;">REQUIRED SKILLS</span></p> <div> <table style="border-collapse: collapse; border: 0pt solid rgb(163, 163, 163); width: 49.549%; height: 159px;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr style="height: 257.125px;"> <td style="border-width: 0pt; background-color: white; vertical-align: top; width: 100%; padding: 4pt; height: 257.125px;"> <ul style="margin-top: 0in; margin-bottom: 0in;" type="disc"> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Specialized knowledge of accounting and financial systems. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Specialized knowledge of accounting/financial principles. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Specialized knowledge of industry standards, internal controls, and internal audit practices. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Knowledge of credit products, market trends, and/or loan procedures. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Attention to detail. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Analytical and critical thinking skills. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Intermediate to advanced skill level in Microsoft Office applications. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Ability to perform intermediate level accounting and audit analyses under limited supervision. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Strong time management and organizational skills. </span></li> <li style="margin-top: 0; margin-bottom: 0; vertical-align: middle; color: #212529;"><span style="font-family: Calibri; font-size: 11.0pt;">Ability to build relationships.</span></li> </ul> </td> </tr> </tbody> </table> </div> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;">DISCLAIMER</p> <p style="margin: 0in; font-family: Calibri; font-size: 11.0pt;">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 careers@capitalfarmcredit.com 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 <a href="http://help.baiworks.com/files/EEO_KNOW_YOUR_RIGHTS.pdf">EEO - Know Your Rights</a> and <a href="http://help.baiworks.com/files/Pay_Transparency_Notice.pdf">Pay Transparency Statement</a>.</p> <p>&nbsp;</p><div class="content-conclusion"><p><strong></strong></p> <p>Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed.<strong></strong></p> <p><strong>Equal Opportunity Statement</strong><br>Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidate's experience and qualifications. We welcome applicants of all backgrounds and do not discriminate based on race, color, gender, religion, national origin, disability, veteran status, or any other protected status. A full job description is available upon request. <span data-teams="true">Candidates selected for hire will be required to complete a background check, including criminal history, education verification, and employment verification. A credit check will be required for roles that require NMLS registration.</span></p></div>