Credit Analyst II

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

Benefits offered by this job

401k with up to 9% contributions

Profit sharing program

Excellent benefits package

Job summary

Colonial Farm Credit in Mechanicsville, VA is seeking a Credit Analyst II to gather, analyze, and reconcile financial data for loans, and draft loan analyses and supporting documents.

The successful candidate will have a bachelor’s degree in a relevant field, strong financial analysis and communication skills, and the ability to work independently under policy guidelines. Competitive salary and benefits including up to 9% 401k contributions and a profit sharing program are provided.

Qualifications

• Bachelor’s degree in a relevant field.
• 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.
• In-depth knowledge and skill in risk analysis, loan administration, and loan servicing.
• Ability to independently interpret financial statements and cash flow analyses.

Responsibilities

• 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

Skills

Financial analysis

Communication

Organizational skills

Independent work

Risk analysis

Problem solving

Education

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

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

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

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

Education and Experience:

Required:

• 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:
  
  • o Independently understand and interpret financial statements and cash flow analysis
  • o work under limited supervision and in compliance with established policies, procedures and regulations
  • o be assertive and decisive in arriving at sound business decisions
  • o effectively handle multiple tasks and work independently
  • o work in a collaborative, team atmosphere
  • o 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

Applications Accepted Through: Tuesday, October 20, 2026