VP Credit Approval

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 maybe located in our office in Round Rock or College Station, Texas. 

EDUCATION REQUIREMENT:

• Bachelor’s degree in Finance, Business, Accounting, or a related field, or experience deemed equivalent by Capital Farm Credit. 

JOB REQUIREMENTS:

• Candidates should have 10+ years of progressive experience in credit and/or lending, including time in a senior decision making capacity.


• Previous experience should include commercial, agricultural, and capital markets lending, along with a strong foundation in credit analysis, portfolio management, and regulatory compliance.


• Proven expertise in evaluating complex credit requests, structuring and monitoring largescale loans, and ensuring compliance with internal policies and external regulations is essential.


• The ideal candidate will demonstrate the ability to develop and implement credit policies and risk management strategies, as well as mentor staff and collaborate with senior leadership to align credit decisions with organizational goals.


• High proficiency in both oral and written communication is required.

JOB SUMMARY:

• The Vice President of Credit Approval plays a critical role in evaluating and approving complex credit requests within delegated authority, while providing strategic recommendations on larger transactions.


• This position ensures that credit decisions are both sound and aligned with business objectives, balancing risk management with regulatory compliance and internal policy standards. The VP partners closely with lending teams, credit analysts, and senior leadership to promote consistent underwriting practices, maintain effective portfolio oversight, and shape the development of credit standards.


• The role carries considerable latitude for independent decision-making, operating with minimal oversight to ensure timely and effective credit decisions.


• Additionally, the VP provides leadership to credit staff, drives the implementation of credit policies, and mentors team members to elevate credit expertise across the organization.

FUNCTIONS:

• Reviews and approves complex credit requests within delegated authority, ensuring alignment with credit standards, policies, and regulatory requirements.

• Provides recommendations to senior leadership on credit requests that exceed delegated authority.

• Partners with lending staff and credit analysts to structure credit facilities that balance customer needs with sound risk management practices.

• Assists in monitoring credit portfolio performance, identifying emerging risks or trends, and escalating issues as appropriate.

• Contributes to the development and implementation of credit policies, underwriting standards, and procedures to ensure consistency and compliance across the organization.

• Mentors and supports credit approvers and analysts, helping to strengthen skills and promote professional growth.

• Collaborates with senior management, risk, and compliance teams to ensure credit strategies align with business objectives and regulatory standards.

• Participates in loan committees and working groups as needed, providing expertise and perspective on credit approval matters.

• Assists in preparing reports and presenting credit-related findings and recommendations to management.

REQUIRED SKILLS:

• Strong knowledge of credit analysis, underwriting principles, and risk management practices.


• Participates in loan committee for large and complex loans to approve and assist in developing sound credit facilities and credit administration for large commercial, participations/syndications, and retail accounts.


• Ability to evaluate complex financial statements and make sound credit decisions within delegated authority.


• Solid understanding of regulatory requirements and compliance standards related to credit approval.


• Effective leadership and team management skills, with the ability to mentor and develop staff.


• Strong analytical, problem-solving, and decision-making abilities.


• Excellent verbal and written communication skills, with the ability to present credit recommendations clearly to management and committees.


• Collaborative mindset with the ability to work effectively across lending, risk, compliance, and senior leadership teams.


• High attention to detail and accuracy in credit assessments and documentation.


• Flexibility to adapt to changing business needs, credit environments, and regulatory expectations.

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.