Who we are:
Farm Credit Bank of Texas is a $42.2 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in the nation’s capital markets.
While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply, an industry which is one of the most innovative and evolving of our time. And while you help us deliver on our mission, we deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive workplace located along the bluffs of the Colorado River just minutes west of downtown Austin.
We seek out top talent in their fields, whether it be technology, fin ance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world.

Position Description:
Manages and supports an assigned commercial lending portfolio focused on borrowers and transactions in the power, energy, and utilities sectors. Performs sector-specific screening, underwriting, structuring, execution support, and ongoing portfolio monitoring while partnering with relationship managers, senior lenders, credit partners, and other internal stakeholders. Ensures strong credit discipline, responsive client service, and compliance with Bank policies, regulatory requirements, and portfolio risk standards.
Day-to Day-Duties and Responsibilities:
– Support the lending and sales process for clients and prospects in the power, energy, and utilities sectors independently or in partnership with senior lenders and relationship managers.
– Screen, structure, and underwrite credit oppor tunities involving commercial and industrial borrowers, utilities, power producers, energy developers, and related entities.
– Analyze borrower financial performance, cash flow, collateral, industry conditions, market dynamics, and transaction structures to assess creditworthiness and risk.
– Review credit memoranda and underwriting packages for new transactions, renewals, and amendments.
– Conduct ongoing monitoring of assigned portfolio relationships to ensure asset quality, covenant compliance, appropriate risk ratings, and strong client service.
– Review past dues, exceptions, upcoming maturities, covenant compliance, borrowing base activity, and other portfolio indicators and recommend corrective actions as needed.
– Monitor and report deteriorating credit conditions, industry developments, commodity or market pressures, regulatory changes, and other factors that may affect portfolio performance.
– Gather information required for annual revie ws, renewals, amendments, and waivers and develop informed recommendations based on credit analysis and relationship performance.
– Partner with internal teams including credit analysts, loan administration, legal counsel, appraisal or valuation resources, and other risk partners to support accurate and timely transaction execution.
– Coordinate with external attorneys and other third parties in support of loan documentation and closing requirements.
– Maintain strong working knowledge of Bank credit policies, underwriting standards, loan documentation requirements, and applicable regulatory expectations.
– Support organic growth within the assigned portfolio by identifying opportunities to deepen client relationships and deliver additional financing solutions consistent with Bank strategy and risk appetite.
– Ensure all activities, documentation, and decisions comply with applicable laws, regulations, internal policies, and required training standards.
– Perform other duties and responsibilities as assigned.
What You Bring to the Team:
Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.
It’s an important role that covers many skills. This position requires:
Required
– Bachelor’s degree in accounting, finance, business administration, economics, or related field.
– Five (5) to seven (7) years of related experience in credit analysis, commercial lending, portfolio management, corporate banking, project finance, or similar financial services roles.
– Experience demonstrating ability to manage increasingly complex transactions, analyze credit risk, and support client relationships in specialized industries.
– Experience with bank or financial institution credit processes, loan structuring, and ongoing portfolio monitoring.
– Strong knowledge of commercial lending, credit underwriting, and portf olio management principles.
– Strong analytical, problem-solving, written communication, and verbal communication skills.
– Ability to manage multiple priorities, deadlines, and transactions while working collaboratively and independently.
– Proficiency in applications and systems used for credit, portfolio, and relationship management.
Preferred
– Experience in lending, underwriting, or portfolio management related to power, energy, utilities, infrastructure, or other capital-intensive sectors.
– Advanced degree.
– Prior banking experience.
– Understanding of the power, energy, and utilities sectors including business drivers, capital structures, regulatory environments, and industry risks.
Why Farm Credit Bank of Texas:
In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:
– Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
– 401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution
– Long-term disability and life insurance
– Vacation leave, sick leave, and paid holidays
– Fertility benefit and parental leave plan
– Up to two days per year to volunteer in local community organizations, services, or events
– Ongoing professional-development opportunities
– Generous tuition-reimbursement program
– Physical fitness incentive plan
– Employer matching gifts program
Important note: We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and re quests for portfolios or demonstrations of work. We can’t personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit.