Credit Associate

E Farmcredit; Louisville (KY); Hybrid; USD 49,208 - 100,487; Full time

Benefits offered by this job

Medical/dental/vision insurance

Well-being reimbursement programs

Paid vacation/sick/holidays

401(k) plan with company contributions

Paid parental leave

Disability coverage

Tuition reimbursement & development

Community involvement

Job summary

Farm Credit Mid-America in Louisville, KY, is seeking a Credit Associate (Credit Analyst) to prepare and analyze loan packages for underwriting decisions. You will build credit analyses and support internal and external customers in a collaborative, structured environment.

The role emphasizes learning and accuracy, with a hybrid work schedule, and a comprehensive benefits package including health insurance, retirement plan with company match, paid time off, and professional development.

Qualifications

• High School Diploma or GED with 3 years relevant experience.
• Bachelor's degree preferred.

Responsibilities

• Develops comprehensive financial analyses by assembling and validating balance sheets, income statements, tax returns, cash flow statements, and related data to accurately represent customers’ financial positions.
• Partners cross‑functionally with sales, credit, and relationship teams to understand customer financials and operational changes, support effective customer communication, and ensure analyses reflect current conditions and risks.
• Analyzes loan servicing requests across varying levels of risk and complexity, including larger or higher‑risk relationships, while providing financial analysis support to Credit Officers and other internal teams.
• Applies critical thinking and independent judgment to evaluate financial trends, incorporate projections, adjust analyses for complex or multi‑entity borrowers, grant justified process exceptions, and, in some instances, recommend or approve loans within delegated authority.
• Builds and applies subject‑matter expertise in agriculture, finance, credit, technology, and industry trends to strengthen credit decisions, risk assessment, and overall portfolio performance.
• Completes assigned tasks accurately by following established processes, guidance, and quality standards.
• Applies direction and from more experienced team members to build skill, confidence, and reliability.

Skills

Financial analysis

Credit analysis

Balance sheets

Communication

Education

High School Diploma/GED

Bachelor's degree preferred

Job description

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

Schedule: Full Time, Hybrid Travel Required: 0% - 10%

Compensation: The salary range for this position is estimated to be $49,208.00 – $100,487.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget. The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

• Medical, dental, and vision insurance
• Well-being and fitness reimbursement programs
• Paid vacation, sick leave, and holidays
• 401(k) plan with company contributions and matching opportunities
• Paid parental leave
• Short-term and long-term disability coverage
• Tuition reimbursement and professional development programs
• Community involvement and volunteer opportunities
• Variable compensation opportunities for eligible positions

About Our Opportunity

The Credit Associate, known internally as Credit Analyst, serves the Association's internal and external customers by preparing and analyzing financial loan packages for system and manual underwriting decisions in a timely manner that meets or exceeds customer expectations. Credit Analysts construct value-added credit analyses for all levels and types of operations.

This role builds foundational knowledge and skills to contribute to core work within the team. Team members at this level focus on learning processes, applying guidance from more experienced colleagues, and delivering accurate work in a supportive, structured environment. They are developing confidence, strengthening capability, and gaining familiarity with our systems, relationships, and expectations.

How You Will Spend Your Time

• Develops comprehensive financial analyses by assembling and validating balance sheets, income statements, tax returns, cash flow statements, and related data to accurately represent customers’ financial positions.
• Partners cross‑functionally with sales, credit, and relationship teams to understand customer financials and operational changes, support effective customer communication, and ensure analyses reflect current conditions and risks.
• Analyzes loan servicing requests across varying levels of risk and complexity, including larger or higher‑risk relationships, while providing financial analysis support to Credit Officers and other internal teams.
• Applies critical thinking and independent judgment to evaluate financial trends, incorporate projections, adjust analyses for complex or multi‑entity borrowers, grant justified process exceptions, and, in some instances, recommend or approve loans within delegated authority.
• Builds and applies subject‑matter expertise in agriculture, finance, credit, technology, and industry trends to strengthen credit decisions, risk assessment, and overall portfolio performance.
• Completes assigned tasks accurately by following established processes, guidance, and quality standards.
• Applies direction and from more experienced team members to build skill, confidence, and reliability.
• Maintains organized, complete, and dependable work products that support team workflow.
• Asks questions to clarify expectations and deepen understanding of systems, processes, and procedures.
• Contributes to team goals through collaboration, communication, and consistent follow‑through.
• Identifies opportunities to strengthen personal work habits, accuracy, and efficiency as skills develop.

Education & Experience

• High School Diploma/GED with 3 years relevant experience.
• Bachelor's Degree preferred.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem‑solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long‑distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewardspackage to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.