Credit Analyst I

The Farm Credit System; Mechanicsville (VA); Sur place; USD 7 200 - 70 000; Plein temps

Résumé du poste

Colonial Farm Credit, a cooperative serving agricultural lending needs, invites applications for a Credit Analyst I in its Mechanicsville, VA office. You will gather, analyze, and reconcile credit data for loans, prepare loan documents, and draft analyses to explain loan purpose, structure, and risk.

Ideal candidates hold a BA in relevant field, have strong analytical and communication skills, and can work under moderate supervision while maintaining accuracy and compliance.

Qualifications

• Bachelor’s degree in agricultural economics, finance, business administration, economics or relevant field.
• General understanding of farm business management, finance, and macroeconomics.
• Strong analysis, judgment, communication (oral and written), and organizational skills.
• Computer experience with intermediate skills in Microsoft Outlook, Word, and Excel to carry out the essential responsibilities of this position.
• In-depth knowledge and skill in risk analysis, loan administration, and loan servicing.
• Ability to understand and interpret financial statements and cash flow analysis.
• Work under moderate supervision and in compliance with established policies, procedures and regulations.
• Use sound judgment within established guidelines and seeks guidance on complex requests.
• Effectively handle multiple tasks and work independently.
• Work in a collaborative, team atmosphere.
• Exercise discretion, gain competency in independent judgment, develop initiative, and creativity in business decisions.
• Acceptable background reports (credit, criminal, driving, and drug)

Responsabilités

• Gathering, analyzing, and reconciling credit and financial data for loans using the five credit factors under the guidelines of differential analysis.
• Preparing all loan documents associated with the analysis of the assigned credit including loan agreements when necessary and drafting loan analyses explaining loan purpose, structure, risk, controls, etc.
• Making recommendations on which the delegated authority will base its decision for loan approval.
• Making recommendations of rates, terms, security, and loan controls that are necessary for maintaining an acceptable credit risk.
• Developing loan-servicing plans for monitoring credit.

Connaissances

Analytical ability

Communication skills

Organizational skills

Judgment

Team collaboration

Independent judgment

Formation

Bachelor’s degree in agricultural economics, finance, business administration, economics or relevant field

Outils

Excel

Outlook

Word

Description du poste

Salary:

$57,200-$70,000

commensurate with experience and qualifications plus superb benefits package provided to all employees including up to 9% 401k contributions and profit sharing program

Position Summary

Colonial Farm Credit (www.colonialfarmcredit.com) is an agricultural credit cooperative and provides loans for:

• Production capital for full-time and part-time farmers
• Ag-related businesses
• Farms and country homes
• Land purchases, home construction, and improvements
• Buildings, machinery, livestock, and equipment

Responsibilities

We have an excellent employment opportunity for a Credit Analyst I in our Mechanicsville VA office. The candidate will be responsible for:

• gathering, analyzing, and reconciling credit and financial data for loans using the five credit factors under the guidelines of differential analysis
• preparing all loan documents associated with the analysis of the assigned credit including loan agreements when necessary and drafting loan analyses explaining loan purpose, structure, risk, controls, etc.
• making recommendations on which the delegated authority will base its decision for loan approval
• making recommendations of rates, terms, security, and loan controls that are necessary for maintaining an acceptable credit risk
• developing loan-servicing plans for monitoring credit

Required

Education and Experience:

• Bachelor’s degree in agricultural economics, finance, business administration, economics or relevant field of study
• General understanding of farm business management, finance, and macroeconomics
• Strong analysis, judgment, communication (oral and written), and organizational skills
• Computer experience with intermediate skills in Microsoft Outlook, Word, and Excel to carry out the essential responsibilities of this position
• In-depth knowledge and skill in risk analysis, loan administration, and loan servicing
• Ability to:
• understand and interpret financial statements and cash flow analysis
• work under moderate supervision and in compliance with established policies, procedures and regulations
• use sound judgment within established guidelines and seeks guidance on complex requests
• effectivel y handle multiple tasks and work independently
• work in a collaborative, team atmosphere
• exercise discretion, gain competency in independent judgment, develop initiative, and creativity in business decisions
• Acceptable background reports (credit, criminal, driving, and drug)

Preferred (and Beneficial To Successful Applicant)

• Up to three years of experience gained through credit positions
• Awareness of current economic developments and production technology affecting agriculture in the region
• Knowledge of farm production methods and products

Location:

Administrative Office, 7104 Mechanicsville Turnpike, Mechanicsville VA 23111

Supervisor:

Ronnie Gill, Chief Operating Officer

Applications Accepted Through:

Wednesday, October 21, 2026

EOE/D/V