Capital Farm Credit jobs

About Us 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. Why Join Us? 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. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you'll find more than a job-you'll find purpose. This position will be filled no earlier than January 2, 2026. EDUCATION AND EXPERIENCE Bachelor's degree in accounting, business, finance, or related discipline. Ten (10) or more years of experience in financial auditing or internal auditing with emphasis on the financial services industry. CPA and/or CIA certification preferred. JOB SUMMARY Plans, develops, and documents audit programs and procedures for operational, financial and compliance audits of various departments and divisions of the Association. Verifies the accuracy, efficiency, and effectiveness of Association operations by performing complex internal audit tasks while working under limited supervision. ESSENTIAL FUNCTIONS Establishes overall direction for the association's internal audit and credit review functions including policies, procedures, audit and credit review scopes and reporting. Assesses compliance with FCA regulations pertaining to internal audit and credit review. Prepares and controls an annual operating budget for Internal Audit and Internal Credit Review. Selects, trains, develops, motivates, evaluates, and manages internal audit and credit review staff. Develops, maintains, and refines an internal audit and credit review schedule for the association with approval of the Audit Committee. Furnishes audit and credit review results to the Audit Committee, Executive Committee, and other levels of managements as appropriate. Keeps the Chief Executive Officer, Board of Directors, and Audit Committee informed of progress and activities for the internal audit and credit review function. Provides for regular audit and review reports, periodic informational reports, and quarterly reporting to the Executive Committee and Audit Committee. Acts as a liaison with external auditors as required by providing staff assistance in gathering information for external audit activity. Evaluates management efforts to address regulatory compliance with a reporting function to the Board of Directors. Facilitates the work of the Board of Directors through daily contact with operating groups of the association engaged in efforts to achieve compliance with FCA requirements and Internal Audit and Internal Credit Review recommendations that are considered necessary for safe operations. Analyzes deficiencies and criticisms noted in any FCA report of examination to determine whether each is based upon an accurate understanding of facts. In cooperation with the relevant officials, establishes corrective programs and periods for achieving correction. Establishes a liaison with FCA examiners to ensure that material deficiencies are reported at the proper time to appropriate parties and corrective action is undertaken in accordance with established periods. Reports to the Board on the accuracy of significant criticisms, proposed corrective actions and their adequacy, unresolved issues and programs of correction, exceptions to corrective periods previously reported, conditions that will delay or prevent results sought, and other pertinent facts and information resulting from FCA examinations. REQUIRED SKILLS 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.. DISCLAIMER 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 ***************************** 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 EEO - Know Your Rights and Pay Transparency Statement. Equal Opportunity Statement 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.

The Senior Customer Service Associate is responsible to receive and pay out money, and keep records of money and negotiable instruments involved in financial transactions by performing the following duties. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA(Gramm-Leach-Briley Act) , Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. REQUIRED DUTIES 1. May train employees in customer service and banking procedures. 2. Approves checks for payment. 3. Examines Customer Service Associates reports of daily transactions for accuracy. 4. Consolidates and balances daily transactions. 5. Ensures supply of money for financial institution's needs based on legal requirements and business demand. 6. May allow customers access to safe deposit boxes, following specified procedures. 7. Monitors and reviews financial institution's security procedures and control access to vault. 8. Counts and records currency and coin in vault. 9. Issues written and oral instructions. 10. Studies and standardizes procedures to improve efficiency of subordinates. 11. Prepares composite reports from individual reports of subordinates. 12. Evaluates needs of potential customers and offers appropriate financial products and services. 13. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. 14. Generates new business to assist in meeting establishment profitability goals. 15. May also provide the bank's customers with personalized banking and new accounts services 16. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 17. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 18. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 19. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 20. Performs duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • High school diploma or equivalent; and a minimum of five years Customer Service Associate experience, OR any equivalent combination of experience and/or education from which comparable knowledge, skills and abilities have been achieved. • Basic skills in computer terminal and personal computer operation, mainframe computer system, word processing, typing and spreadsheet software programs to meet the needs of the position. • Basic math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Thorough understanding of management procedures; ability to plan department or Company activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Company activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate). • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. Pay $38,000 - $53,000 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on February 11, 2025.

The Credit Officer is responsible for assisting Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing with credit underwriting and analysis of loan requests and preparation of written loan submissions. Conducts credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. Make recommendations and/or decisions regarding the extension of credit. Investigates and analyzes credit. Monitors customer accounts and loan portfolios in order to maximize credit quality and minimize risk and potential loss. Prepares and presents credit files to committees for use in the making of lending decisions on new, renewal and extension loans. Maintains control over the credit standings of accounts and furnishes information relative to credit inquiries, as appropriate. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. REQUIRED DUTIES 1. Assists with credit presentations to include financial statement spreads, covenant testing, collateral analysis, obligor/facility ratings, cash flow analysis, relationship exposure, and underwriting. 2. Actively evaluates property, sponsorship, global cash flow (using Company approved software) /contingent liability of the loan/guarantor on a deal by deal basis. 3. Conducts site visits, meetings, and interviews with borrowers. 4. Prepares file approval memorandums summarizing results and validates Credit Risk Ratings in compliance with the Company's policy and procedures. 5. Monitors delinquencies, covenant compliance, etc. 6. Provides direct support to Senior Credit Officers/Credit Manager to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans. 7. Makes recommendations for approval or non-approval. 8. Works with processing/funding to ensure accurate flow of information in documents to provide efficient closing of loan funding. 9. Attends, prepares and presents new and additional credit proposals in loan committee meetings. 10. Tracks credit package completions. 11. Requests re-documentation of loans that have undergone name, organizational or address changes. 12. Assists in preparation of loan approval document such as account numbers, balances and entities. 13. Provides customer service including meeting and greeting customers in person and on the phone. 14. Proficiency in analyzing business and individual tax returns/financial statements to identify recurring and non-recurring sources of cash flow (identification of cash versus non cash income on K-1 statements, schedule E, etc.) 15. Preparation of basic and/or preliminary analysis on the Company and its Guarantors. Analyses shall identify the purpose of the loan, sources of repayment, appropriateness of proposed structure, risks and mitigants (financial, business and or industry) associated with the proposal. Candidates must also be able to track financial and reporting covenants that monitor the credit, mitigate risks and meet the bank's credit policy guidelines. 16. Performs thorough analysis of combined DSCR for underwriting of guarantors. 17. Proficiency in analyzing credit and other reports on companies and individuals. Conduct research on specific industries or companies. 18. Reviews formation documents for Borrowers. Determine appropriate Borrower signing authority. Candidates must be able to identify the requisite formation documents for different business entities (C-corp, Limited partnerships, General partnerships, Trusts, etc.) and be able to review such documents for accuracy. Order and review good standing certificates, UCC Searches and other applicable compliance documentations. 19. Reviews loan documentation for consistency and accuracy relative to the approved credit narratives and compliance with the Bank's credit guidelines. This requires working with the Borrower, Commercial Loan Operations, and in some instances, outside legal counsel. 20. Monitors existing credit facilities for financial and reporting covenant compliance. Preparation and continual review the compliance log to ensure updated financial information and covenant compliance. Notify Borrower and Guarantor of missing reports and non-compliance with terms of their Agreement. Correspond with Loan Monitoring Group and Credit Administration on recommended waivers, amendments, etc. Focus on early identification of problem loans and assist Portfolio Managers, Business Bankers and Credit Administration to take appropriate action. Candidates should understand risk ratings and be able to provide recommendations for changes in current rating. 21. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 22. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 23. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 24. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 25. Performs duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • Bachelor's degree and 3+ years of experience in commercial or SBA lending - specifically, property cash flow analysis and appraisal valuation methods. • Commercial or SBA analysis/underwriting experience a plus • Commercial business analysis skills (secondary to CRE analysis experience) a plus • Financial analysis experience of business or CRE investment financial statements, CRE investment tax returns and individual's financial statements and tax returns • The ability to present written credit memorandums in a clear, succinct manner, present credits to management/board loan committee. • Intermediate experience, knowledge and training in all lending activities and terminology. • Able to make a conclusive recommendation based on independent analysis • Able to handle multiple transactions at once and work well in a team-oriented environment • Strong customer service skills, relationship development and management skills • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs. • Intermediate typing skills to meet production needs of the position. • Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. Pay $54,800 - $88,800 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on February 9, 2026.

The Relationship Manager (“RM”) is responsible for managing and developing a portfolio of new and expanding existing productive and profitable relationship with clients with emphasis on business and industrial companies ranging from complex credits to deposit only relationships through external business development calls and referrals. The RM is ultimately responsible for all aspects of the client experience ranging from credit needs to customer service and operations. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. DUTIES 1. Develops and manages a portfolio of private, business and/or industrial clients ranging from complex credits to deposit only relationships. Acts as lead negotiator with prospects & clients. 2. Grows revenue by successfully prospecting for new business and retaining and expanding existing client relationships via interest income, fee income and/or cash management revenue. 3. Identifies and sells appropriate bank products and services to those prospects and clients. 4. Builds strong relationships with referral sources, centers of influence, etc. 5. Analyzes the client's financial and operating strategies and recommends alternative or additional financial services to best meet the client's immediate and long-term personal and business needs. 6. Gathers financial information and analyzes potential customers' and customers' creditworthiness and financing requirements. 7. Structures credits jointly with Credit Officers and Department Managers. 8. Operates computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority. 9. Achieves sales and service goals by utilizing effective sales practices to sell bank products, implementing effective customer service techniques, referring customers to appropriate business partners, and resolving customer issues as they arise. 10. Responds to and anticipates clients' financial needs, solving problems and following through with exceptional service that provides a differentiated customer experience that supports our value proposition. 11. Proactively sources, acquires and expands high value customer relationship by maximizing sale and service opportunities. 12. Minimizes problem credits and/or delinquencies by maintaining high credit standards, good documentation procedures and timely collection efforts. 13. Meets with customers on a regular basis to enhance the trusted advisor relationship and become a trusted advisor ensure business needs are being met. 14. Responds to incoming emails and telephone calls in a professional manner to ensure that the client requests are met in a timely fashion. 15. Prepares and coordinates documents for client meetings and presentations. 16. Refers opportunities to segment partners where appropriate. 17. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 18. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 19. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 20. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 21. Performs duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • Bachelor's degree in Business, Finance, and Accounting or related major required from an accredited college or university; or 3+ years in sales or relationship management; Work related experience must consist of banking, financial services and/or client management. Knowledge of financial analysis, risk evaluation, loan documentation and commercial loan experience. • Strong knowledge of various phases of sales management, including planning, goal setting, project/time management and selling techniques. • Excellent business development and client relationship skills. • Detail orientated with exceptional sales and analytical skills. • Requires the ability to create and conduct presentations and prepare final proposals for qualified prospects as a final step in establishing financial relationships. • Excellent interpersonal, verbal and written communication skills. • Intermediate skills in computer terminal and personal computer operation, mainframe computer system, word processing, typing and spreadsheet software programs to meet the needs of the position. • Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. • Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. Pay $59,000 - $104,000 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on October 1, 2025.

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 $2.7 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. POSITION: The Relationship Administrator - Agribusiness position is located in any AgTexas office with a salary that is negotiable, depending upon experience. This position performs advanced level loan administration work, that requires evaluation, originality, and ingenuity. * AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate. MINIMUM EDUCATION AND EXPERIENCE: Bachelor's degree in finance, business administration or a related field, or equivalent experience and at least ten (10) years of experience in complex multi-level corporate commercial lending. Advanced knowledge of accounting/financial systems and key accounting principles. Ideal candidate will exhibit a general knowledge of office equipment and systems used for the storage and retrieval of business information, as well as standard records management and file classification practices. Specialized knowledge of credit delivery systems, title insurance, crop insurance, and credit life insurance documentation. In addition, specified knowledge of documentation requirements for title policies, deed of trust and various other collateral is required. This position requires good oral and written communication skills with specialized knowledge of written correspondence principles. Must be intermediate in skill level with Microsoft Office applications. KEY RESPONSIBILITES: * Develops and organizes loan application information for review and analysis by loan officers and inputs pertinent loan data into credit delivery system. Examines loan application for accuracy and completeness. * Assists with the closing of loans by assembling and compiling documents for closing, such as insurance forms, loan forms, and flood certificates. Ensures closing documents are accurate and complete. * Works with complex loans and performs research on borrower and/or collateral history including tax liens and judgements. Responsible for ordering title work, appraisals, and any other collateral security requirements. * Records new loans, establishes relevant files, processes loan payments, maintains a variety of loan records and obtains credit information. Assists in maintaining and monitoring borrowers' required insurance. * Collects loan payments and performs relations tasks required to service loans. * Answers customer inquiries and resolves routine issues. Fosters good member/public relations by providing customer service that exceeds customers' expectations. * Prepares documents and correspondence for association reports as required following approved association and Farm Credit Bank policies and procedures. * Daily account settlements for loan activity with outside participants, as well as calculating various fees and amounts due for certain loans based on activity. WORKING RELATIONSHIPS: Frequent interaction with customers, association departmental staff and management. Frequent interaction with Farm Credit Bank of Texas staff, as well as other Farm Credit Associations and other commercial banks. Also includes frequent interaction with area professionals, including real estate agents, commercial bankers, title company staff 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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process.

The Financial Services Representative is responsible for providing the bank's customers with personalized banking and new accounts services by performing the following duties. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA(Gramm-Leach-Briley Act) , Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. REQUIRED DUTIES 1. Evaluates needs of potential customers and offers appropriate financial products and services. 2. Prepares and compiles new customer application and information to open new account. 3. Ensures completeness of documentation on new account set-up. 4. Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity. 5. Interviews customers to obtain information and explain available financial services such as savings and checking accounts, Individual Retirement Accounts, Certificates of Deposit, savings bonds, online banking, ATM and debit cards. 6. Presents funds received from customer to Customer Service Associate for deposit, and obtain receipt for customer. 7. Helps customer complete application for products or services. 8. Obtains credit records from credit reporting agency. 9. May be responsible for admitting customers to safe deposit vault and/or renting safe deposit boxes. 10. Accepts wire transfer requests. 11. Responds to customer inquiries and requests regarding account. 12. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. 13. Provides deposit data to support marketing and sales promotion programs. 14. Generates new business to assist in meeting establishment profitability goals. 15. May be responsible for accepting loan payments. 16. Record all transactions promptly, accurately, and in compliance with bank procedures. 17. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 18. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 19. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 20. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 21. Performs duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • High school diploma or equivalent; and a minimum of one to three years new accounts experience, or equivalent combination of work experience/education which may include accounting, balancing or customer service; OR any equivalent combination of experience and/or education from which comparable knowledge, skills and abilities have been achieved. • Basic skills in computer terminal and personal computer operation, mainframe computer system, word processing, typing and spreadsheet software programs to meet the needs of the position. • Basic math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Thorough understanding of management procedures; ability to plan department or Company activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Company activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate). • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. Pay $35,000 - $54,000 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on December 8, 2025.

Job Description 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 $2.7 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. AgTexas 2026 Summer Internship Are you passionate about agriculture, finance, and lending? AgTexas is excited to offer a 10-week, summer internship program designed to provide aspiring professionals with hands-on experience in agriculture credit, lending, and loan administration, along with exposure to other key areas of our business. About The Program Duration: 10 weeks Travel Opportunities: Travel throughout our 43-county territory and interact with branch staff, customers, and agriculture producers to gain a 360-degree view of our business. Hands-On Learning: Learn directly from AgTexas team members, gaining valuable insights into the financial aspects of supporting the operations of producers we serve. Company Culture: Experience our core values and company culture first-hand as you immerse yourself in the day-to-day operations at various sites. Individual Project: Work independently on a credit-based project, gaining valuable understanding of our processes. Group Project: Collaborate with fellow interns on a real-world project. You will gather data, analyze trends, and develop recommendations to present to senior and executive leadership at the end of the program. What You Will Gain In-depth knowledge of credit, lending, and loan administration functions. Exposure to various aspects of the agriculture industry. Mentorship from experienced professionals across key business areas. Experience in problem-solving, teamwork, and leadership. The opportunity to present your findings and recommendations to senior leaders. Learn From Different Roles & Mentorship Credit & Lending: Dive deep into the financial side of agriculture, learning how we support producers through credit analysis, loan structuring, and lending decisions. You will shadow professionals who manage loan portfolios, assess financial risk, and ensure compliance with lending regulations. Additionally, you will have the opportunity to learn about our rural home and construction loan sector. Loan Administration: Understand the nuts and bolts of loan processing, documentation, and servicing, while gaining exposure to the customer experience and back-office functions that keep our operations running smoothly. Administrative Roles: Gain insight into the administrative support functions that help drive business efficiency, from office management to customer service. Appraisal & Crop Insurance: When possible, interns will have the chance to explore other critical areas such as property appraisals and crop insurance, learning how these services contribute to the broader financial health of our customers. Mentorship: Each intern will be paired with a mentor to provide guidance and feedback throughout the internship. Real-World Examples: By engaging with mentors and team members, you will apply your learnings to real-world scenarios, deepening your understanding of lending and financial services in agriculture. AA/EOE/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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process. Job Posted by ApplicantPro

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. POSITION: The Commercial Portfolio Analyst II position is located in Lubbock, TX with a salary that is negotiable depending upon experience. This position requires knowledge in loan structuring of agribusiness credits, loan participation/syndications and the ability to work with management and staff to ensure prudent credit administration practices are followed. * AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate. MINIMUM EDUCATION AND EXPERIENCE: Bachelor's degree in accounting, finance, agricultural business/economics, business administration, or a related field or equivalent experience and three (3) or more years of experience in credit administration. Strong organizational, analytical, and communication skills required, with the ability to manage multiple priorities and meet deadlines. Must demonstrate sound judgment and exceptional attention to detail. Proficiency in Microsoft Office applications (Excel, Word, Outlook) and general computer operations is essential. RESPONSIBILITIES: * Administers Association-wide credit administration tracker which assists in compliance with Association procedures (underwriting standards, etc.) as well as performance on loan covenants. * Queries Association electronic loan file repository for items that satisfy outstanding credit administration covenants. * Reviews relevant loan files and documents to interpret ongoing credit administration requirements. Works with appropriate staff to cure any errors or conflicts with Association policy and procedure or regulatory requirements. * Assists Management in identifying trends and patterns that indicate a breakdown in policy and procedure or opportunities to refine processes for efficiency and accuracy. * Assists Credit and Lending and other relevant staff with appropriate application of Association policy and procedure as well as relevant regulatory requirements. * Assists Management with development of new initiatives, policies, or procedures. WORKING RELATIONSHIPS: Frequent interaction with customers, Agribusiness, and Association departmental staff and management. Occasional interaction with Farm Credit Bank of Texas staff and loan participants. Occasional interaction with area professionals including real estate agents, commercial bankers, title companies, appraisers 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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process.

Job Description 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 $2.7 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. POSITION: The Accounting Specialist position is located in Lubbock, TX with a salary that is negotiable, depending upon experience. This position operates specific accounting system applications for data entry, information retrieval and/or inquiry. *AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate. MINIMUM EDUCATION AND EXPERIENCE: High school graduate and four (4) or more years of experience in banking, lending, or accounting with a financial services organization. Experience in cash management, accounts payable, and/or general ledger processing is preferred. Specialized knowledge of accounting/finance principals and ability to perform accounting data entry. Proficient in Microsoft Office products such as Excel, Word, and Outlook and general computer operations. Excellent time management, prioritization, and oral and written communication skills. KEY RESPONSIBILITIES: Verifies accuracy and completeness of accounting documents, identifies discrepancies, resolves issues, and determines appropriate course of action according to established procedures. Processes payments received; reconciles daily deposits and applications; and verifies application processing. Supports the efforts of the records retention function and assists with scanning and organization of documentation. Assists in verifying, filing, and maintaining promissory notes and other documents within the Finance Department. Assists in maintaining accounting procedures and related documentation as well as communicating the information to loan accounting users. Assists is cash management product setup. Assists in all phases of the accounts payable process. Processes office mail and completes bank deposits. Processes invoices and payments and prepares assigned vendor invoices for payment on a timely basis. Provides administrative and field office support and performs other duties for the department as needed. Verifies accuracy and completeness of wire submission according to the association's specified wire process. WORKING RELATIONSHIPS: Frequent interaction with Association departmental staff, field office staff, and management. Occasional interaction with Farm Credit Bank of Texas staff. Occasional interaction with area professionals including real estate agents, commercial bankers, title companies 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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process. Job Posted by ApplicantPro

About Us 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. Why Join Us? 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. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you'll find more than a job-you'll find purpose. This position will be filled no earlier than January 2, 2026. LOCATION: This position may be located in Lubbock, Texas or College Station, Texas. EDUCATION REQUIREMENT: Trade or technical study, preferably in a related field such as facilities management, business administration or a similar area. JOB REQUIREMENTS: Three (3) to five (5) years of experience in maintenance, facilities management, or similar field. Or any combination of both. FUNCTIONS: Develops and assesses vendor relationships. Supervises routine maintenance and preventative maintenance at facilities across the organization as needed. Maintains records of maintenance activities and ensures compliance with safety and regulatory standards. Coordinates and oversees facility-related projects, such as renovations, expansions, or relocations. Collaborates with cross-functional teams, contractors, and architects to ensure projects are completed on schedule. Reviews invoices and submits for manager approval. Establishes and maintains property information database. PREFERRED SKILLS: Attention to detail. Basic skill level in Microsoft Office applications. Ability to review and prioritize maintenance requests and follow up in a timely manner. Time management and organizational skills. Ability to build relationships. Strong Customer Service skills, patience, and tact. At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request. DISCLAIMER 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 ***************************** 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 EEO - Know Your Rights and Pay Transparency Statement. Equal Opportunity Statement 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.

About Us 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. Why Join Us? 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. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you'll find more than a job-you'll find purpose. LOCATION: This position will be located onsite in our Credit Office in New Braunfels, Texas. EDUCATION REQUIREMENT: High school diploma or associate's degree. JOB REQUIREMENTS: Two (2) years of experience in loan administration, office operations, or customer service with exposure to financial services, mortgage, or title insurance industry preferred; or experience deemed equivalent at the discretion of Capital Farm Credit (CFC). FUNCTIONS: Provides excellent customer service on a consistent basis by greeting customers, answering phones and customer inquiries, and facilitates communications between internal departments and external parties. Works with senior staff to research and resolve issues. Under direction and oversight, sends the loan application(s) to applicants, reviews completed application for accuracy and completeness, and communicates with applicants on additional needs. At a basic level, develops and organizes loan applicant information. Under direction and oversight, enters pertinent loan data into loan origination systems, including financial information such as balance sheets and other data required. Acquires credit bureau reports and generates credit scores. Conducts appropriate searches within various systems as required for borrowing entities. Reviews results to ensure compliance related to entity tax status and OFAC standings. Gains a basic understanding of UCC lien search results and UCC lien status. Under guidance, drafts and sends communication of initial credit decision to applicants. Assists with communicating additional needs and updates with applicants and members of the loan committee through due diligence process. Requests and develops basic knowledge of title commitment and supporting documents from title companies that are relevant to each loan file. Gains an understanding of coordination needed with internal departments for review and approval of necessary documents. Through direction and oversight, reviews files in loan origination system to help identify errors and ensure accuracy prior to loan committee approval and loan processing requests. Requests final loan committee approvals. Submits loan file to Document Preparation Department. With direction and oversight, coordinates loan closings; assembles, reviews, and delivers closing packet for execution; and reviews documentation to ensure proper execution. With guidance and oversight, onboards new loans from loan origination system into the loan accounting system and disburses loan proceeds; confirms loan was closed in compliance with loan closing instructions; monitors borrower loan conditions and documents the file accordingly. Assists the loan committee by requesting and filing necessary information to satisfy loan covenants and other reporting requirements. Develops an understanding of lien perfection through deed of trust and/or UCC filing and maintenance. Establishes and maintains electronic loan files and sends original documents to the Collateral Custodian. Works with internal departments to finalize and certify loans. Processes loan payments, disbursements, and related tasks necessary to service loan portfolio. Develops basic knowledge of cooperative structure, patronage program, and CFC product offerings. At a basic level, assists with credit servicing actions. With oversight and direction, reviews executed servicing action documentation, submits revisions to accounting systems, and updates electronic file documentation. Develops basic knowledge of required procedures, policies, processes, internal controls, and regulations with an ability to research and apply. Develops foundational knowledge of multiple systems and programs and demonstrates the ability to use CFC programs and systems used in lending and office administration. Assists with general office administration and operates a variety of standard office equipment. PREFERRED SKILLS: Basic knowledge of: Accounting/financial systems. Computer systems and office equipment used for file management, file classification practices, and retrieval of business information. Documentation requirements for title insurance, deeds of trust, UCC financing statements, crop insurance, and flood insurance. Professional, oral, and written correspondence principles. Intermediate skill level in Microsoft Office applications. Organization and time management practices. Attention to detail. Working in a collaborative environment. Critical thinking skills. 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 ***************************** 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. At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request. Equal Opportunity Statement 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.

The Regional Sales Manager is responsible for the quality and profitability of the Bank's Small Business Administration (“SBA”) loan portfolio. Assist in the development and monitoring of loan policies and procedures as it relates to SBA activities. Has an advanced working knowledge of SBA loan programs. May be asked to oversee the underwriting of conventional commercial and industrial credits, construction, or other types of credit transactions from time to time. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. REQUIRED DUTIES 1. Manage budgeting, loan productions and personnel for multiple regions assigned by the Chief SBA Lending Officer 2. Assist the Chief SBA Lending Officer in annual budgeting and goal setting 3. Manage the regional/LPO budget to ensure that production goals are achieved 4. Develop and implement marketing activities within the budgetary constraints established by supervisor 5. Generate new business through prospecting, outside calling, networking and referrals 6. Work to foster new and expand existing customer relationships through cross-selling products and services 7. Conduct site visits, meetings, and interviews with borrowers and referral sources 8. Identify, collect, and analyze relevant information to assess credit risk 9. Conduct financial and repayment analysis with a focus on cash flow to assess and identify a borrower's repayment ability 10. Responsible for all phases of the process to include: lead generation and sourcing, initial analysis and submission of requested documents to underwriting and closing staff, adherence to all Bank loan policies/procedures. 11. Actively participate in local SBA district functions with assigned marketing area. 12. Maintain and applies a thorough understanding of the bank's credit policy, SBA eligibility and all necessary business practices to ensure the submission of accurate and complete loan application packages. Ensure all loans comply with regulatory requirements 13. Generate loans that maintain an acceptable level of performance. 14. Assist external departments within the Bank with any requested servicing action within assigned marketing area. 15. Assist with various projects and other operational duties. Work collaboratively with others to help support and achieve the overall goals of the Division 16. Develop and implement sales, process, pricing and credit strategies to grow a sound portfolio, develop competitive advantages, and optimize profitability of the business unit. 17. Respond to inquiries or refer inquiries to the appropriate department or person, and exhibiting the necessary follow through with customers and/or staff involved. 18. Provide supervision and support to all areas of the department where service or assistance is needed; oversees activities of assigned department personnel; opens and closes the department. 19. Monitor staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results. 20. Assume responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel. 21. Play a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff. 22. Perform personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training. 23. Treat people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 24. Demonstrate knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 25. Follow policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 26. Perform the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 27. Perform duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • Bachelor's degree (BA) or equivalent of 10+ years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. • Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. • Advanced experience, knowledge and training in all lending activities and terminology. • Advanced knowledge of commercial, construction, real estate and consumer loan processing. • Ability to lead less experienced loan officers and other staff members as assigned. • Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. • Ability to develop marketing and business development skills with customers. • Basic knowledge of branch operation procedures, Company products and services. • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. • Basic knowledge of human resource labor laws and policies. • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs. • Intermediate typing skills to meet production needs of the position. • Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Thorough understanding of management procedures; ability to plan department or Company activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Company activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate). • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. • Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. Pay $95,000 - $158,000 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on February 9, 2026.

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 $2.7 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 Associate Director of Customer Success leads a skilled administrative team supporting lending operations, combining hands-on expertise with people leadership to ensure efficient processes, exceptional service, and a culture of accountability and growth. Coaches, mentors, and assists with skill development of relationship administrators. Independently seeks solutions in situations where procedures are not specific. Works under limited supervision. MINIMUM EDUCATION AND EXPERIENCE: Associate's degree or equivalent experience and seven (7) or more years' experience in loan support operations, title company, general accounting, or banking. Requires strong organizational, analytical, and communication skills with the ability to manage multiple priorities under deadlines. Must demonstrate sound judgment, attention to detail, and a commitment to service excellence. Proven leadership ability to coach, develop, and motivate a team is essential, along with the flexibility to balance transactional work and strategic oversight in a fast-paced environment. General knowledge of loan underwriting and accounting systems is required, as well as proficiency in both oral and written communication to ensure clarity, professionalism, and effectiveness across all interactions. KEY RESPONSIBILITIES: * Lead and develop a high-performing administrative team, balancing leadership responsibilities with transactional support. * Oversee daily workflows to ensure accuracy, timeliness, and consistency in all lending operations. * Train, coach, and mentor staff to build capability, accountability, and confidence across the division. * Collaborate with peer managers to streamline processes and maintain service excellence. * Support the Director in managing portfolio growth and integrating new relationships and loan actions. * Monitor workload distribution, team performance, and process efficiency to ensure operational balance. * Represent the division in leadership discussions and contribute to continuous improvement initiatives. * Model professionalism, integrity, and teamwork consistent with organizational values and culture. WORKING RELATIONSHIPS: Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management. 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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process.

Job Description The Financial Services Representative is responsible for providing the bank's customers with personalized banking and new accounts services by performing the following duties. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA(Gramm-Leach-Briley Act) , Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. REQUIRED DUTIES 1. Evaluates needs of potential customers and offers appropriate financial products and services. 2. Prepares and compiles new customer application and information to open new account. 3. Ensures completeness of documentation on new account set-up. 4. Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity. 5. Interviews customers to obtain information and explain available financial services such as savings and checking accounts, Individual Retirement Accounts, Certificates of Deposit, savings bonds, online banking, ATM and debit cards. 6. Presents funds received from customer to Customer Service Associate for deposit, and obtain receipt for customer. 7. Helps customer complete application for products or services. 8. Obtains credit records from credit reporting agency. 9. May be responsible for admitting customers to safe deposit vault and/or renting safe deposit boxes. 10. Accepts wire transfer requests. 11. Responds to customer inquiries and requests regarding account. 12. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. 13. Provides deposit data to support marketing and sales promotion programs. 14. Generates new business to assist in meeting establishment profitability goals. 15. May be responsible for accepting loan payments. 16. Record all transactions promptly, accurately, and in compliance with bank procedures. 17. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 18. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 19. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 20. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 21. Performs duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • High school diploma or equivalent; and a minimum of one to three years new accounts experience, or equivalent combination of work experience/education which may include accounting, balancing or customer service; OR any equivalent combination of experience and/or education from which comparable knowledge, skills and abilities have been achieved. • Basic skills in computer terminal and personal computer operation, mainframe computer system, word processing, typing and spreadsheet software programs to meet the needs of the position. • Basic math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Thorough understanding of management procedures; ability to plan department or Company activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Company activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate). • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. Pay $35,000 - $54,000 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on December 8, 2025.

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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process.

About Us 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. Why Join Us? 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. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you'll find more than a job-you'll find purpose. This position will be filled no earlier than January 2, 2026. LOCATION: This position may be located in Round Rock, College Station, and consideration of other Capital Farm Credit offices will be based on candidate and office space availability. EDUCATION AND EXPERIENCE: Bachelor's degree in Accounting, Finance or Business Administration, or equivalent work experience. Two (2) to four (4) years of experience in the administration and analysis of credit. ESSENTIAL FUNCTIONS: Spreads and analyzes financial statements to determine financial performance trends; including repayment capacity, liquidity, leverage, and capitalization trends, sources and uses of cash Assists in the development of tools and templates for monitoring such loans Completes validation, review, reconciliation, and trending of tested financial covenants and borrowing base certificates, using Excel, database or other tools Manages review of reporting information with quick response on follow-up items Analyzes all pertinent financial information and supporting reports; determines the need for additional information or more thorough investigation; analyzes information statements and related material Reviews Credit Agreements and other loan documents to support covenant and reporting requirement monitoring and financial performance review Communicates with Deal Teams regarding ongoing performance trends of assigned accounts Reviews and understands chattel evaluations, collateral audits, and real estate appraisals Analyzes tax returns for determination of repayment capacity Develops spreadsheets and other automated tools for account financial performance monitoring, credit analysis, special projects, or presentations Provides assistance to Relationship Managers, Special Assets Group, and Administrators in analysis, servicing and reporting of the Association's loans and leases Compiles quarterly industry updates for various industries based on input from Credit Managers, portfolio data, and industry sourced data Assists other Association personnel in completing projects as assigned Other duties as assigned REQUIRED SKILLS Basic understanding of credit analysis, administration, and policy and procedures. Strong analytical skills and attention to detail. Ability to identify and resolve exceptions and to interpret data. Effective verbal, written, and interpersonal communication skills. Ability to read and comprehend credit write-ups and loan documentation. Intermediate skill level in Microsoft Office applications, especially Microsoft Excel, Word. DISCLAIMER 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 ***************************** 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 EEO - Know Your Rights and Pay Transparency Statement. Equal Opportunity Statement 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.

About Us 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. Why Join Us? 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. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you'll find more than a job-you'll find purpose. This position will be filled no earlier than January 2, 2026. LOCATION: Preferred location is College Station, but other locations may be considered based on the candidate and office availability. EDUCATION REQUIREMENT: Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience. JOB REQUIREMENTS: At least ten (10) years of progressively responsible banking or related agricultural lending experience. At least 5 years in a supervisory and/or management position. FUNCTIONS: Coaches and trains Relationship Managers, credit analysts, and administrators in the origination and servicing of loans and leases. Establishes goals and objectives for credit analyst team in the Region served. Manages delegated authority for credit analysts in the Region Area. Assist in the management of loan and leases in the Region Area in an effort to maintain acceptable risk levels and carry out Association goals and objectives. Hires and evaluates credit analysts in the Region Area. Consults and works closely with Chief Credit Officer, Directors of Credit, other Regional Credit Officers, Regional President, Commercial Ag Credit Group Credit Managers and their respective staffs on loan/lease origination and servicing. Provides input on analysis, pricing and structuring of credits in Market Area. Mentor's credit and administrative staff in the analysis and structuring of loans and leases. Reviews and approves or denies loans and leases that exceed the delegated authority of loan officers and credit analysts. Serves as a loan committee member. Resolves issues related to credit underwriting by actively working with the Regional President and Loan Administration Manager in the assigned Region Area. Responsible for compliance with credit standards for the Region area. Ensures that loans and leases in market area portfolio are properly underwritten by credit analyst team. This includes ensuring loans and leases are properly risk rated and assigned appropriate Probability of Default (PD) and Loss Given Default (LGD) ratings. Complies with proper credit administration practices as outlined in Association's policies and procedures. Demonstrates the “CFC Way” in all areas of credit underwriting. Conducts complex credit analyses. Determines creditworthiness of applicants for new loans or leases and credit servicing actions in Region Area. Manages and oversees the underwriting process on credits in the Region Area which are non-performing and assist other stakeholders in the development of corrective action plans or restructuring actions. Prepares budgets for credit underwriting operations associated with the Market Area. Collaborates with the Regional President(s) in the Region Area in the budget process. Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations. Ensures all credit underwriting 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. Oversees and consults completion of complex loan servicing tasks Promotes the Association by maintaining good public and member relations REQUIRED SKILLS: 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. COMMUNICATION REQUIREMENTS: This job requires strong verbal and written communication skills and listening skills, as well as the ability to read, comprehend and write memos, e-mails, operating manuals, and policy directives. The job also requires the ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner. The ability to make effective business presentations, both written and oral, in small and large audiences is required. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction. In working with team members, it is required that you foster open lines of communication by conveying pertinent non-privileged industry and company information that is necessary to maximize job performance, knowledge and understanding. It is Capital Farm Credit's expectation is that open lines of communication are available to benefit job performance and satisfaction. Within your position, you are encouraged to effectively utilize communication channels to maximize job performance. WORKING RELATIONSHIPS: Frequent interaction with Association Lending staff, loan administration staff and other credit staff (especially members of lending groups), along with customers, association departmental staff including but not limited to loan accounting, accounting, internal audit, internal credit review and Credit management. Occasional interaction with association executive leadership, senior management, 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 At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request. Equal Opportunity Statement 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.

About Us 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. Why Join Us? 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. Our Benefits: Incentive Program: Company-wide, goals-based rewards. Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year, plus enjoy 12 paid holidays annually. Retirement: 401(k) with up to 9% employer contribution/match. Health Coverage: Affordable medical, dental, and vision plans. Parental Leave: 8 weeks of paid parental leave. Life & Disability Insurance: Employer-paid coverage. Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses. At Capital Farm Credit, you'll find more than a job-you'll find purpose. LOCATION: This position may be located in College Station or Round Rock, and consideration for other Capital Farm Credit offices may be given based on the candidate and office space availability. EDUCATION REQUIREMENT: Bachelor's degree in business, finance, agriculture, or a related field is required. Professional certifications such as Certified Agricultural Consultant (CAC) or Chartered Financial Analyst (CFA) are strongly preferred. JOB REQUIREMENTS: Candidates should possess 8 to 10 years of progressively responsible experience in commercial or agricultural lending, including credit analysis, financial statement review, loan structuring, and portfolio management. A strong background working with commercial agriculture or operating companies-such as those in food procurement, processing, or distribution-is essential. Proven success in relationship management, business development, and independently managing complex lending scenarios is required. Familiarity with cross-selling financial products and collaborating with internal credit and lending teams is also key to success in this role. FUNCTIONS: Develop new business and service existing commercial and real estate customers. Analyze loan applications, determine eligibility and scope of financing, and process/approve loans within delegated authority. Evaluate loan collateral and ensure proper lien perfection on all assets. Utilize CRM tools to build and manage a comprehensive database of customers and prospects. Network with food processing, marketing, and distribution industries and build referral relationships with middle market banks. Cross-sell Farm Credit products, including FC Leasing, AgDirect, Young/Beginners/Small Farmer programs, and Home Lending. Prepare and submit Financing Proposals for credits exceeding authority with recommendations for approval or rejection. Collaborate with internal teams including Credit, Capital Markets, Legal and loan processors on complex loans. Build and maintain business relationships with agricultural producers, rural landowners, and community leaders. Represent the Association at local and regional events, promoting the organization and its services. Make and service loans and leases for operating needs, equipment, and real estate, and recommend loan structures and pricing. Review borrower financials (balance sheets, income statements, cash flows) to determine creditworthiness. Perform loan servicing activities such as re-amortizations, extensions, subordination agreements, and collateral inspections. Ensure accurate risk ratings and loss given default assignments on all assigned loans. Assist in collections and work with delinquent borrowers to restore loan performance. Verify maintenance of loan covenants and ensure title and lien validity on all collateral. May perform appraisals, inspections, and collateral evaluations in accordance with standards. REQUIRED SKILLS: Strong interpersonal skills with the ability to build and maintain client relationships. Ability to engage with clients and stakeholders in high-profile, fast-paced, and competitive situations. Excellent oral and written communication skills. General and specialized knowledge of accounting and finance principles. Proficiency in reviewing and analyzing financial statements and credit data. Intermediate proficiency in Microsoft Office applications (Word, Excel, Outlook, etc.). Strong decision-making and problem-solving abilities in complex lending scenarios. Ability to work independently with minimal supervision while managing multiple priorities. High level of social intelligence and self-awareness. Comfort working in both team-based and client-facing environments. 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 ***************************** 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. At the discretion of CFC, position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request Equal Opportunity Statement 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.

Job Description 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 $2.7 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 Associate Director of Customer Success leads a skilled administrative team supporting lending operations, combining hands-on expertise with people leadership to ensure efficient processes, exceptional service, and a culture of accountability and growth. Coaches, mentors, and assists with skill development of relationship administrators. Independently seeks solutions in situations where procedures are not specific. Works under limited supervision. MINIMUM EDUCATION AND EXPERIENCE: Associate's degree or equivalent experience and seven (7) or more years' experience in loan support operations, title company, general accounting, or banking. Requires strong organizational, analytical, and communication skills with the ability to manage multiple priorities under deadlines. Must demonstrate sound judgment, attention to detail, and a commitment to service excellence. Proven leadership ability to coach, develop, and motivate a team is essential, along with the flexibility to balance transactional work and strategic oversight in a fast-paced environment. General knowledge of loan underwriting and accounting systems is required, as well as proficiency in both oral and written communication to ensure clarity, professionalism, and effectiveness across all interactions. KEY RESPONSIBILITIES: Lead and develop a high-performing administrative team, balancing leadership responsibilities with transactional support. Oversee daily workflows to ensure accuracy, timeliness, and consistency in all lending operations. Train, coach, and mentor staff to build capability, accountability, and confidence across the division. Collaborate with peer managers to streamline processes and maintain service excellence. Support the Director in managing portfolio growth and integrating new relationships and loan actions. Monitor workload distribution, team performance, and process efficiency to ensure operational balance. Represent the division in leadership discussions and contribute to continuous improvement initiatives. Model professionalism, integrity, and teamwork consistent with organizational values and culture. WORKING RELATIONSHIPS: Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management. 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 ************** and ask to speak to one of our HR representatives to request accommodation in the application process. Job Posted by ApplicantPro