Relationship Manager

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.

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.

• 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 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.

This position will be located in our credit office in San Angelo, Texas.

• Bachelor’s degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience.

This position may be filled as Relationship Manager I or Relationship Manager II, depending on the selected candidate’s experience and qualifications.

• Two (2) or more years of experience as a loan officer, loan officer associate, or commensurate work experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Strong communication and customer service skills to support business development initiatives.
• Ability to perform basic to intermediate financial and credit analysis under moderate supervision.
• General knowledge of accounting and financial systems.
• Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System.

• Three (3) or more years of experience as a loan officer or loan officer associate or commensurate title, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit.
• Outstanding business development skills complemented with appropriate credit knowledge for growing a portfolio with quality loans.
• Exceptional customer service skills to support business development initiatives.
• Ability to assess risk and provide recommendations on approval of commercial or real estate loans.
• Good standing in current and/or previous employment.
• Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy.
• Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System.
• Beneficial for the candidate to have both real estate and production agriculture knowledge.

• Manages and maintains current relationships and seeks new accounts.
• Recommends or approves loans in assigned territory within the limits of specific delegated authority.
• Develops and manages loan portfolios including loan originations in the trade area served by the association.
• Develops and implements sales strategies in order to increase client satisfaction and loan portfolio growth.
• Has some latitude for decision making; works under moderate supervision.

• Responsible for developing new business in the assigned office in addition to servicing existing, commercial and real estate customers. Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines.
• Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection. Works with other Association personnel including credit analysts on loans exceeding delegated authority.
• Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities.
• Represents the association at local and regional community and market related activities. Promotes the association by maintaining good public and member relations and assists with or attends corporate functions.
• Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure, and pricing. Responsible for exercising credit risk management responsibilities on loans within area of responsibility.
• Determines the eligibility and scope of financing for all new loans and ensures…