Credit Analyst II

The Farm Credit System; Mechanicsville (VA); On-site; USD 63,000 - 77,000; Full time

Benefits offered by this job

401k with up to 9%

Profit sharing program

Job summary

Colonial Farm Credit in Mechanicsville, VA is seeking a Credit Analyst II to gather, analyze, and reconcile credit data for loans, prepare loan documents, and draft analyses detailing purpose, structure, and risk.

You will help determine loan approvals and contribute to pricing and controls while developing servicing plans for ongoing monitoring.

Qualifications

• Bachelor's degree in relevant field.
• Moderate to advanced understanding of farm business management, finance, and macroeconomics.
• Strong analysis, judgment, communication, and organizational skills.
• Computer experience with Outlook, Word, and Excel.
• In-depth knowledge of risk analysis, loan administration, and loan servicing.
• Ability to interpret financial statements and cash flow analyses.
• Work under limited supervision and in compliance with policies.
• Be assertive and decisive in sound business decisions.
• Handle multiple tasks and work independently.
• Work in a collaborative, team atmosphere.
• Exercise discretion, independent judgment, initiative, and creativity.
• Acceptable background reports (credit, criminal, driving, and drug).

Responsibilities

• Gathering, analyzing, and reconciling credit and financial data for loans using five credit factors under differential analysis.
• Preparing loan documents and drafting analyses explaining loan purpose, structure, risk, and controls.
• Making recommendations on loan approvals within delegated authority.
• Recommending rates, terms, security, and loan controls for credit risk.
• Developing loan-servicing plans for monitoring credit.

Skills

Credit analysis

Financial analysis

Communication skills

Organizational skills

Independent work

Team collaboration

Discretion

Decision making

Cash flow analysis

Policy compliance

Education

Bachelor's degree in agricultural economics/finance/business/economics

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

Salary: $62,500-$76,900
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 II 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
• Moderate to advanced understanding of farm business management, finance, and macroeconomics
• Strong analysis, judgment, communication (oral and written), and organizational skills
• Computer experience with intermediate to advanced 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:
• Independently understand and interpret financial statements and cash flow analysis
• work under limited supervision and in compliance with established policies, procedures and regulations
• be assertive and decisive in arriving at sound business decisions
• effectively handle multiple tasks and work independently
• work in a collaborative, team atmosphere
• exercise discretion, independent judgment, initiative, and creativity
• Acceptable background reports (credit, criminal, driving, and drug)

Preferred (and Beneficial To Successful Applicant)

• Four to five years of experience gained through credit related positions
• Strong awareness of current economic developments and production technology affecting agriculture in the region
• Strong 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:

Tuesday, October 20, 2026

EOE/D/V