Senior Credit Officer



  1. Develops and manages loan portfolios including loan originations in the trade area served by the association.  Works with complex loans and loan participation packages.


  1. Provides analysis, servicing and reporting of the associations mortgage and commercial loans.


  1. Analyzes financial information including balance sheets, income statements and cash flows of potential borrowers to ascertain credit worthiness.  Determines Probability of Default (PD) ratings as appropriate and make recommendations for approval or denial of loans. 


  1. Interprets, communicates, and provides guidance regarding association lending policies and procedures.


  1. Reviews and approves loans submitted by other lending staff that exceed their delegated authority.


  1. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.


  1. Complies with proper credit administration practices as outlined in the association’s policies and procedures.


  1. Assists senior-level credit officers with complex loan applications as necessary.


  1. Assists prospective and current borrowers with their credit needs and with formulating solutions to credit related issues.


  1. 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.


  1. 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.


  1. Performs loan servicing tasks, which may include partial releases, subordination’s to mineral leases and right of ways, division orders, reamortizations, assumptions, severance agreements, and insurance claims. 


  1. 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. 


  1. Assures that adequate insurance coverage is maintained as required by loan conditions and monitors ad valorem taxes to insure that such taxes are paid on the security.


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


May perform collateral evaluations in compliance with district and association standards and procedures.  May assist with or attend public relations functions for the Association.



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 intermediate-level accounting and financial analyses under limited supervision.


Frequent interaction with customers, association departmental staff and management.  Occasional 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.


Ability to sit for long periods of time. Ability to stand for limited periods of time. Frequent finger/hand manipulation (keyboard, office equipment, small hand tools, etc.), occasional lifting, carrying, pushing, and/or pulling while exerting up to 50 pounds of force.

Location: Administration Office, Cullman, AL

Reports to: Director of Credit Analysis


Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and five (5) to seven (7) years of progressively responsible banking and related agricultural lending experience.


Assists Relationship Managers in the analysis, servicing, and reporting of the Association's mortgage and commercial loans.  Processes and approves loans in assigned territory within the limits of specific delegated authority consistent  with Association policies.  Evaluates and services loans with higher levels of complexity and risk.  Develops and manages loan portfolios including loan originations in the trade area served by the Association.  Assists in training less-senior loan officers and credit personnel to ensure quality service and attainment of the Association's credit goals.  Has appreciable latitude for decision making; works under minimal supervision. 




  • An outstanding company-wide incentive program
  • Accommodating and flexible vacation and sick leave
  • 12 paid holidays
  • 401(k) plan with up to a 9% employer contribution/match
  • Affordable health, dental, and vision plans
  • Employer paid life insurance and disability
  • Tuition reimbursement (100%)
  • Up to $400/year wellness reimbursement
  • Company paid clothing allowance
  • Company paid cell phone and laptop