Agricultural Credit Analyst

FIRST BANK AND TRUST COMPANY; Harrisonburg (VA); On-site; USD 65,000 - 85,000; Full time

Benefits offered by this job

PTO 20 days

11 paid holidays

Health insurance

401K/ESOP

Life insurance

Long-term disability

Job summary

First Bank and Trust Company is seeking an Agricultural Credit Analyst to evaluate farm and agribusiness credit requests across VA, TN, and NC. The role emphasizes financial statement analysis, cash flow assessment, and risk summarization to support lending decisions.

The ideal candidate will have strong accounting/financial analysis skills, experience in agricultural lending or credit analysis, and solid communication and teamwork abilities.

Qualifications

• Bachelor’s degree in Accounting, Agricultural, Business and/or Economics.
• Experience in agricultural lending, credit analyst, financial analysis or financial services preferred.
• Strong financial analysis and accounting skills, strong written and verbal communication, attention to detail, teamwork.

Responsibilities

• Analyze financial statements, tax returns, credit reports and other documentation for loan requests.
• Prepare complete, objective written reports summarizing strengths and weaknesses for lending decisions.
• Support agricultural lending activity and contribute to credit quality.

Skills

Financial analysis

Accounting skills

Microsoft Excel

Communication skills

Teamwork

Education

Bachelor's degree in Accounting, Agricultural, Business and/or Economics

Tools

Excel

Word

Job description

Job Description

Job Description

The First Bank and Trust Company is seeking an Agricultural Credit Analyst to be located in either Virginia (Staunton - Harrisonburg - Wytheville - Abingdon), Tennessee (Kingsport - Bristol - Morristown) or North Carolina (Wilson - Lillington - Clinton) to support the bank’s agricultural lending activities and to contribute to the overall credit quality of the bank. The Agricultural Credit Analyst will analyze a wide variety of financial and credit information, including personal and business financial statements, income statements, balance sheets, cash flow statements, personal financial statements, credit reports, tax returns, accountant-prepared financial statements, and other relevant documentation. The Credit Analyst will also be responsible for providing complete, accurate and objective written reports presenting all financial information and summarizing the strengths and weaknesses of agricultural loan requests for use in the making of lending decisions.

A bachelor’s degree in Accounting, Agricultural, Business and/or Economics is required. Previous experience in agricultural lending, credit analyst, financial analysis or financial services is preferred. The candidate must possess strong financial analysis and accounting skills, strong critical thinking skills, strong written and verbal communication skills, a strong attention to detail, be well organized, and be able to work in a team environment. The candidate must also have strong computer skills, including Microsoft Word and Excel.

BENEFITS FOR FULL-TIME EMPLOYEES:

• PTO Leave is 20 Days per year earned monthly.
• First Bank and Trust recognizes 11 paid holidays, when the holidays occurs during the work week.
• Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.
• Employees are automatically enrolled in the bank's 401K/ESOP Plan.
• First Bank and Trust provides basic life insurance coverage equal to two times an employees' base salary.
• First Bank and Trust provides long-term disability Insurance coverage.

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran