Credit Mgr
Plains Land Bank, FLCA

JOB DESCRIPTION

Who We Are:

Plains Land Bank stands as a symbol of stability and support for agriculture and rural communities for over a century. As a proud member of the esteemed Farm Credit System, we remain steadfast in our commitment to provide reliable, financial services empowering our stockholders to grow their legacies.

With strategic offices in Amarillo, Pampa, Perryton, and Plainview, we provide personalized lending services across 16+ counties in the vibrant Texas Panhandle. Our commitment to fostering growth and prosperity in the heart of Texas is unwavering.

At Plains Land Bank, we're not just a financial institution; we're a community. We forge enduring partnerships and equip individuals to 'Own a Piece of Texas', embodying the spirit of resilience and opportunity.

Learn more about us at: www.plainslandbank.com.

We seek out top talent and welcome you to join us in our mission to shape the future of agriculture in rural America.

Position Description:

We are searching for a full-time, in-office Credit Manager to work in our Amarillo, Texas location. This position's primary responsibilities include development and maintenance of credit policies and procedures including all credit delivery systems necessary to achieve compliance. This will include, but is not limited to, electronic credit delivery and analysis systems; development and maintenance of credit forms; coordination with loan accounting; monitoring of portfolio performance; reporting related to credit activities; administration of an ongoing internal credit monitoring program; oversight of special assets; and other functions applicable to efficient, effective credit delivery.

Day-to Day-Duties and Responsibilities:

• Works with association staff to develop and maintain an efficient credit delivery system. This system will include, but not be limited to, credit application systems (Retail, AgFast and Conventional); credit analysis and documentation systems; credit forms and legal documents essential to maintain valid liens; and interfaces between credit systems and SharePoint programs.
• Maintains current knowledge of compliance regulation and communicates with staff to facilitate compliance.
• Develops systems for credit monitoring and evaluation. Administers the association's ongoing administrative credit monitoring process including the development of monitoring tools and follow-up procedures to evaluate and report on compliance with policies and procedures. Performs ongoing monitoring and analysis of exceptions to credit policy and procedures. Identifies credit administrative deficiencies and develops corrective actions plans on all deficiencies noted in any regulatory exam or Internal Credit Review (ICR) conducted.
• Develops, monitors and maintains periodic credit reports exhibiting compliance with association policies and procedures, FCA, FCBT, FSA, FMAC, and other reporting requirements. Prepares monthly and quarterly credit monitoring reports for the board. Prepares periodic reporting of credit information to the FCBT and FCA. Coordinates with all external units conducting exams (FCA), reviews (FCBT and ICR contractor) and due diligence audits (FMAC) to assure that credit information is provided in a timely and accurate manner.
• Ensures that all assigned loans 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 the association's policies and procedures.

What You Bring to the Team:

Our ideal candidate lives within a commutable distance from our office in Amarillo, Texas.

It is an important role that covers many skills. This position requires:

• Bachelor's degree in Finance, Business Administration or a related field, or equivalent experience and five (5) or more years of related experience in the areas of credit, finance and accounting. Experience should include the administration of credits and/or credit policies on commercial and mortgage loans. Supervisory experience preferred. Ag lending experience preferred.

General knowledge of the following:

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office applications.
• Specialized knowledge of routine and complex credit arrangements, association administration and accounting policies, credit delivery systems, reports and reporting systems, common business guidelines, FCA, Consumer Lending and other laws and regulations applicable to lending.
• Assignments are broad and complex in nature requiring originality, ingenuity, and leadership; has appreciable latitude for decision making; works under minimum supervision.

Our Benefits:

In addition to a competitive salary and an annual incentive plan, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:

• Affordable health benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
• 401(k) plan that includes an employer match (up to 4%) plus an additional employer contribution (up to 5%), both of which vest on the first day of employment.
• Employer paid long-term disability and life insurance.
• Generous vacation leave, sick leave, and up to thirteen paid holidays.
• Up to two days per year to volunteer in local community organizations, services, or events.
• Ongoing professional development opportunities.

Our Culture:

At Plains Land Bank, our culture revolves around community, and our dedicated employees are the heartbeat of our organization. We prioritize their wellbeing providing a stable career path and ample opportunities for professional development and advancement.

As a proud member of the Farm Credit System, we uphold a commitment to fostering personal relationships and connections. Our emphasis on face-to-face interactions and employee engagement cultivates a supportive and inclusive workplace environment where everyone's voice is heard and valued. We celebrate every success as a team, acknowledging the hard work that contributes to our collective achievements.

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 Plains Land Bank may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. We cannot 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.

Plains Land Bank is an equal opportunity employer and prohibits discrimination and harassment of any kind. We are committed to providing a work environment that is inclusive and free of bias, where all employees are treated with dignity and respect. We encourage applicants from all backgrounds to apply.

ABOUT US

At Plains Land Bank we have one mission: provide financing that helps people achieve their dreams of owning and operating rural property in the Texas Panhandle.

To accomplish this, we rely on our outstanding employees and we welcome highly-motivated people on our team.
What Does An Ag Lender Do?

Our loan officers have significant experience in agriculture lending and a proven track record of expanding customer relationships by providing reliable customer service. Many have complimentary experience in accounting, agronomy, and livestock management.

We seek individuals who are:

• Energized by helping others
• Committed to providing great customer service
• Interested in agriculture
• Passionate about joining a family-like work environment

If this describes you, then you could make a great addition to the team.


Why Work for Plains Land Bank?

We offer excellent benefits and a culture that recognizes team members' strengths and contributions. Some of the perks of working for us include:

• Paid time off and holidays
• Affordable health, dental and vision plans
• Employer paid life insurance and disability
• 401(k) with company match
• Incentive pay plan

Plains Land Bank is an equal opportunity employer.

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