Branch Manager

Position/Title: BRANCH MANAGER

Date: March 25, 2025

Location: Brownwood/Early, Texas

Salary: Salary Range is $100,000 but is commensurate with experience and qualifications

Central Texas Farm Credit offers a competitive salary, paid annual leave and sick leave, paid holidays, and a comprehensive benefits package which includes medical, dental, vision and life insurance, 401(k) with employer match, HSA contributions, employee incentive plan, corporate apparel, and much more! We are committed to maintaining a positive work environment that maximizes individual potential for every employee, while motivating and empowering them to provide exceptional customer value. Our association is proud to have attained some of the highest employee engagement scores in our field.

Company Profile:

Central Texas Farm Credit is a full-service agricultural lender covering 19 counties in Central Texas with branch offices located in Brady, Brownwood/Early, Coleman, Comanche, Haskell, San Angelo, and San Saba. We also have an administrative office located in Abilene. We have approximately $720 million in total assets which consists primarily of loans for livestock, crops and real estate. Central Texas Farm Credit is a member-owned cooperative that is well-capitalized with consistently strong earnings and credit quality. We have been a reliable source of credit to the farmers and ranchers of central Texas for over 100 years.

Job Purpose and Scope:

Manages the overall functions of the branch office including credit quality, loan servicing, business development, and personnel administration. Has considerable latitude for decision making in the implementation of association goals.

Essential Functions:

Establishes goals and objectives for the assigned branch office and its employees and delegates authority as appropriate to carry out goals and objectives. Hires, motivates, evaluates and provides training for branch office employees.

Represents the association at local community activities. Promotes the association by maintaining good public and member relations.

Generates new loan business, services existing loans and grows the loan portfolio of assigned office. Completes loan analyses 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.

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.

Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities. Secures background and credit history on new loans, repeat loans and renewals. Provides for evaluation of loan collateral in accordance with association policies and procedures. Ensures proper lien perfection on all collateral.

Maintains awareness of agricultural trends and business activity, FCA regulations, and legal obligations. Ensures branch office operations comply with applicable policies, regulations and laws. Prepares reports required by association management, the Board of Directors and regulatory bodies.

Coordinates the implementation of advertising and marketing programs.

Performs collections and management of association’s acquired property as required.

Summary of Desired/Required Education and Experience Requirements:

Bachelor’s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and three (3) to five (5) years of progressively responsible banking or related agricultural lending experience, including at least one (1) year in a supervisory and/or Management position.

Specialized knowledge of banking administration and accounting policies, procedures, reports, guidelines and banking regulations.

Specialized knowledge of financial analysis and asset/liability management. Ability to perform intermediate-level accounting/financial analyses.

General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles.

Skill in oral and written communication.

Intermediate skill level in Microsoft Office applications.

If you meet the minimum qualifications and wish to be considered for this position, please apply through the link at the bottom of this job posting.

This position is currently open and will close upon filling.

At the sole discretion of Central Texas Farm Credit, individuals with less than minimum experience requirements may be considered with the position adjusted to a commensurate title.

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, sex, religion, national origin, sexual orientation, gender identity, disability, protected veteran status, or any other characteristic protected by law.