Heritage Land Bank
  • 27-Jun-2018 to 01-Sep-2018 (CST)
  • Tyler, TX, USA
  • Full Time

Medical/Dental/401k


Company Profile

Heritage Land Bank is a leading rural real estate and agribusiness lender in East Texas.  Our total loan portfolio is over $480 million and our loans consist of poultry, livestock, nurseries, timber, crops, recreational property, and country home loans.  Established 100 years ago, Heritage Land Bank is a locally owned and operated financial cooperative (Agricultural Credit Association), which is part of the Farm Credit System and the Tenth Farm Credit District.  Our Corporate Office is located in Tyler, Texas and we operate ten branch offices.

 

Education and Experience Requirements

Bachelor's degree in Business Administration, Accounting, Finance, Agricultural Economics, or a related field, or equivalent experience.  At least five (5) or more years in agricultural credit analysis, credit extension, auditing and/or real estate appraisal is required.  Prior farm credit experience is preferred.

 

 

Job Scope

 

Oversees and/or performs assessments of loan portfolio credit quality, credit administration performance, loan related operations, and testing of established procedures at the Association level to ensure operational efficiency and regulatory compliance.  Conducts and leads reviews of Association branch offices or Regions.  Conducts, at the request of leadership, specialized, targeted reviews, including issuing a report to management and the appropriate board committee.  Assignments are broad and complex in nature requiring originality, ingenuity, and leadership.  Has appreciable latitude for decision making; works under minimum supervision.

 

Essential Functions

 

  • Develops review plans for assigned credit offices for approval by management.  Organize and coordinate all activities of individual reviews, including monthly closed loan reviews.  These reviews should be fully supported with documented findings, consistent with procedures, standards and regulations.
  • Manages assigned reviews consistent with department operating procedures, prepare reports detailing overall findings of each review for management.  May include further reporting to the board committees as appropriate.
  • Analyze loans and loan assets consistent with the Association's Risk Rating System, FCA Regulations and established review standards, and regulations with recommendations to management and board committees as appropriate.
  • Responsible for comprehensive stress testing of Association portfolio to be used in annual business planning and identifying risk.
  • Evaluates the adequacy of the Association's internal credit reviews and audits as they compare to the Internal Credit Review and Audit Plan and makes recommendations regarding compliance with policies, procedures and federal and state laws and regulations.
  • Develops systems for credit monitoring and evaluation including maintenance and compliance with delegated authorities.  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 and reports credit administrative deficiencies.
  • Develops, monitors and maintains periodic credit reports exhibiting compliance with Association policies and procedures, FCA, FCBT, FSA, FMAC, USDA and other reporting requirements.  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.
  • Prepares works papers prior to and following individual reviews and prepare summary reports.
  • Analyzes balance sheets, operating statements and financial trends.
  • Analyzes and evaluates credit administration performance on individual loans consistent with Association standards and established review procedures.
  • Prepares memorandums that accurately described material findings and evaluates credit administration in diverse credit situations with reports to management or board committees as appropriate. 
  • Provide input and participate in the development and maintenance of the Associations' review model, credit review work papers and reports and procedures to be applied in the ongoing review process as assigned. 
  • Develops review plans for specialized, targeted reviews.  Conducts and leads work on the assignment.  Writes report and presents findings to management and the board committees as appropriate.
  • Quarterly test, validate and review ALLL analysis and report to management and board committees as appropriate.
  • Review and test PD & LGD grading to ensure compliance with Association policies and procedures.  Semi-annually conduct random sample of loans by loan officer for compliance with credit and administration procedures.
  • Reports review findings to the audit committee of the board of directors
  • Performs various special projects as assigned by the audit committee or senior management.

 

If you meet the minimum requirements and want to be consider for this position, please go to the link below to apply:

 

Heritage Land Bank, ACA is an EOE/AA/M/F/D/V Employer

Principals only.  Recruiters, please don't contact this job poster.

 

Heritage Land Bank
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