Agriculture Loan Underwriter

CGB Enterprises Inc; Louisville (KY); On-site; USD 72,000 - 95,000; Full time

Benefits offered by this job

401(k)

Medical insurance

Dental and vision

Paid leave

Flexible spending accounts

Wellness programs

Job summary

CGB Enterprises, Inc. in Louisville, KY is seeking a detail-oriented Agricultural Credit Analyst to assess farm and ranch loan applications, analyze financial data, and provide recommendations for credit actions.

You will work with sales teams and producers to structure loans, perform due diligence, and prepare presentations for approvals, with travel up to 25%. A Bachelor’s degree in Agriculture or Business is required, experience in agricultural lending preferred, and strong analytical and

Qualifications

• Bachelor’s degree in Agriculture, Business, or related field; agricultural lending experience preferred.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication; customer service oriented.

Responsibilities

• Analyze farm and ranch financial information and production data to assess credit risk.
• Synthesize financial information into clear loan analyses and present recommendations for approval or denial.
• Collaborate with sales team and producers to structure loan solutions and manage due diligence.
• Maintain relationships with internal staff and external loan conduits; ensure timely responses and compliant actions.

Skills

Computer skills

Communication skills

Analytical skills

Attention to detail

Customer service

Lending knowledge

Teamwork

Education

Bachelor’s Degree in Agriculture, Business, or related field

Tools

Microsoft Office Suite

Job description

Thank you for your interest in joining our team! At CGB, you can contribute to meaningful work, grow professionally and personally, and belong in a place where everyone has a voice. Founded in 1969, CGB Enterprises, Inc. is known as an innovative and progressive leader in the grain and transportation industries. The combination of our assets provides a growing organization that is celebrating over 50 years of strength and stability! AgriFinancial, a subsidiary of CGB Enterprises, Inc., is a premier, nationwide ag lender offering an array of flexible financial solutions and expertise to help landowners achieve their goals. Backed by CGB and partnered with a broad group of capital resources, our dedicated team of ag experts will work to find the right solution to fit you.

Job Description Summary

Are you passionate about agriculture and finance? We're looking for a detail-oriented professional to assess and manage agricultural loan applications, helping farmers and agri‑businesses thrive. Make a real impact in rural communities while advancing your career with a supportive, growth-focused team. This job is primarily responsible for analyzing farm and ranch financial information, agricultural production data, industry trends, and providing recommendations and decisions on credit actions.

Responsibilities

Responsibilities include, but are not limited to, working directly with the sales team and producers to understand their farming operation and goals and develop loan structures that help them meet those needs, compiling information received into loan analysis software in an accurate and timely fashion, verify and complete necessary due diligence to make loan recommendations and presentations for approval, as well as loan decisions, consistent with organizational policies and procedures.

• Analyze farm and ranch financial information, analyze farm crop and livestock production information, as well as identify historical trends.
• Synthesize complex financial information into clear, understandable analysis.
• Manage workflow to ensure response (approve, decline or other contact) within required timeline.
• Inspect (in person) farm and ranch operations to obtain key information as it relates to the management and asset quality, when necessary.
• Exhibit creativity in developing solutions that meet their needs and fit within the program guidelines.
• Establish and maintain working relationships with various internal staff and external partners.
• Maintain contact with various loan conduits in the industry.
• Process and underwrite loans consistent with corporate standards, through verification and due diligence.
• Exhibit qualities consistent with company philosophies to ensure exemplary levels of service to all parties.
• Other duties as assigned.

Education & Experience

• Education Required – Bachelor’s Degree in Agriculture, Business, or related field.
• Experience Preferred – Agricultural experience and/or background.
• Experience with commercial lending concepts.

Skills & Abilities

• Strong computer skills, including working knowledge of Microsoft Office Suite.
• Effective interpersonal, oral and written communication skills with the ability to interact with all levels of people within and outside the organization.
• Exceptional analytical and strategic problem solving skills.
• Strong attention to detail.
• Exemplary customer service skills.
• Ability to learn products, lending standards and guidelines and how to apply them.
• Ability to work effectively both autonomously and within a team environment.

Physical Demands & Requirements

• Sedentary work.
• Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.
• Sedentary work involves sitting most of the time.
• Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.
• Ability to stand or sit constantly/continuously.
• Hearing. Perceiving the nature of sounds at normal speaking levels with or without correction. Ability to receive detailed information through oral communication, and to make the discriminations in sound.
• The employee is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

The work environment described here are meant to be representative of those an employee would normally encounter while performing the essential functions of this job. The physical environment requires the employee to work inside where there are limited extremes to heat and/or cold; moderate noise; a normal office environment. Travel required both regionally and nationally, for producer visits, educational development, or training for corporate business partners; up to 25%.

Compensation

The expected base pay range for this role is: $71,939.00 - $94,960.00 Actual pay offered may vary depending on multiple individualized factors, including work location, job-related knowledge, skills and relevant experience for the job. Pay amount does not guarantee employment for any particular period of time.

Benefits

CGB Enterprises, Inc. offers a stellar benefits package including: an outstanding 401(k) retirement plan with company contributions, medical, prescription drug, dental, vision, life, & disability benefits, flexible spending accounts, paid leave (holidays, vacation, sick), wellness programs, recognition programs, community involvement opportunities, and much more!

Equal Opportunity Employer

CGB Enterprises, Inc. is an Equal Opportunity Employer.

Workplace Discrimination is Illegal links in English or Spanish are listed here.

We are unable to legally hire anyone who is not eligible to work in the United States nor are we able to sponsor visas.

The HR staff at CGB Enterprises, Inc. delivers HR solutions to CGB Enterprises, Inc. and its Subsidiaries in addition to Zen-Noh Grain Corporation, Zen-Noh Hay, Inc. and Cooper Consolidated, LLC. Operating within the diverse family of businesses at CGB Enterprises, Inc. are Consolidated Grain and Barge Co., River Bend Transport, River Bend Brokerage, AgriFinancial, CGB Marine, CGB Soybean Processing, Consolidated Terminals and Logistics Company, and North Dakota Soybean Processors, LLC.