Credit Manager

Farm Credit Services; Fostoria (OH); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive compensation

Top-rated benefits

401k with company match

Tuition reimbursement

PTO with holidays

Employee assistance

Community service PTO

Dress for your day

Job summary

AgCredit, headquartered in Fostoria, OH, is seeking a Credit Manager to oversee credit quality, underwriting integrity, and portfolio risk across its territory. The role requires guiding credit staff, ensuring adherence to standards, and providing independent credit guidance to senior leadership.

The position partners with field lending teams and legal counsel to manage distressed assets and ensure compliant, sound loan structures.

Qualifications

• Bachelor’s degree in finance, Accounting, Business, Economics, or Agriculture.
• 7–10+ years of progressive experience in agricultural or commercial credit.
• Expertise in advanced financial analysis, GAAP-based underwriting, loan structuring, credit risk management.
• Strong leadership, coaching, and supervisory skills.

Responsibilities

• Lead and oversee credit underwriting activities, ensuring adherence to credit philosophy and standards.
• Review and approve or recommend action on complex, large, and higher-risk credit requests.
• Ensure sound credit decisions through evaluation of repayment capacity and collateral adequacy.
• Monitor portfolio performance including credit quality, risk ratings, and delinquency trends.
• Identify and elevate emerging credit risks; provide portfolio risk reporting to senior leadership.
• Oversee stress testing, sensitivity analysis, and ongoing portfolio monitoring.
• Ensure compliance with policies, FCA regulations, audits, and credit standards.
• Support credit reviews, audits, examinations, and development of credit policies.

Skills

Financial analysis

GAAP underwriting

Credit risk management

Leadership

Communication

Organization

Industry knowledge

Education

Bachelor’s degree in finance

Economics

Agriculture knowledge

Job description

Our mission at AgCredit is to create lifelong opportunities for our customers and employees by striving to be the premier cooperative lender and employer in our rural communities. Our core values focus on relationships, respect, integrity, service, accountability, teamwork and courage for our customers’ and employees’ success. As a cooperative agricultural lending institution, our commitment is to our customer-owners. Headquartered in Fostoria, OH, AgCredit serves over 7,000 member-owners in 15 lending offices throughout 18 counties across northwest and central Ohio. As part of the nationwide Farm Credit System, we are proud to return our profits back to our members through our patronage program. We hope you’ll consider joining our experienced lending team as we continue to serve our customers, employees and communities.

Credit Manager - Location based on successful candidate, within AgCredit Territory

The Credit Manager is responsible for oversight of credit quality, underwriting integrity, and portfolio risk management across assigned regions or the Association. This role combines advanced credit analysis expertise with leadership of credit staff and credit processes, ensuring consistent application of AgCredit’s underwriting standards, risk philosophy, and internal controls. The position will work closely with the other credit manager(s) and will be responsible for supervising, leading, & developing the credit analysts assigned to them.

The position serves as a key link between Credit Administration, field lending teams, & ELT providing independent credit guidance, ensuring sound loan structures, and maintaining compliance with AgCredit policy, Farm Credit Administration (FCA) regulations, and safety and soundness expectations. The Credit Manager will comply with all AgCredit, ACA policies and procedures while maintaining regular and punctual attendance as expected of this position.

What You’ll Do:

• Lead and oversee credit underwriting activities, ensuring adherence to AgCredit’s credit philosophy, underwriting standards, and risk appetite.
• Review and approve or recommend action on complex, large, and higher-risk credit requests.
• Ensure sound credit decisions through evaluation of repayment capacity, collateral adequacy, risk factors, loan structure, and risk mitigation strategies.
• Monitor portfolio performance, including credit quality, risk ratings, delinquency trends, adverse assets, and concentration risk.
• Identify, assess, and elevate emerging credit risks; provide portfolio risk reporting to senior leadership.
• Oversee stress testing, sensitivity analysis, and ongoing portfolio monitoring activities.
• Ensure compliance with AgCredit policies, FCA regulations, audit requirements, and credit administration standards.
• Support credit reviews, audits, examinations, and the development of credit policies, procedures, and underwriting guidelines.
• Partner with lending staff, the SAM Manager, and legal counsel to manage distressed assets, loan workouts, and borrower rights requirements.
• Lead, mentor, and develop Credit Analysts and other credit team members through coaching, training, and performance management.
• Serve as the Association’s subject matter expert on credit analysis, underwriting, industry trends, and risk management practices.
• Participate on the Association Loan Committee and Risk Management Committee, providing independent credit perspective and governance oversight.
• Review loan packages for completeness, accuracy, policy compliance, and appropriate risk identification.
• Drive continuous improvement of credit processes, systems, and operational efficiencies across the Association.
• Serve as a liaison between Credit Administration, lending teams, and support functions to promote consistency and collaboration.
• Maintain knowledge of agricultural markets, commodity trends, and economic conditions impacting borrowers and portfolio performance.
• Demonstrate AgCredit’s Core Values and Core Competencies while completing required training and supporting organizational initiatives.
• Perform other duties as assigned.

What You’ll Need:

• Bachelor’s degree in finance, Accounting, Business, Economics, or Agriculture
• Seven to ten + years of progressive experience in agricultural or commercial credit.
• Demonstrated expertise in advanced financial analysis and GAAP-based underwriting, loan structuring, collateral valuation, credit risk management, portfolio monitoring, and credit administration.
• Strong leadership, coaching, and supervisory skills.
• High level of judgment and independent decision-making capability.
• Ability to communic ate effectively with Loan Committee, senior leadership, Account Officers and examiners.
• Strong organizational and prioritization skills in a deadline-driven environment.
• Knowledge of Farm Credit System structure and agricultural lending practices preferred.

Benefits Offered

• Competitive compensation
• Top-rated benefits program
• 401k Plan with company match
• Tuition reimbursement, sponsored training and career development opportunities
• Generous paid time off with 11 holidays observed
• Employee Assistance Program
• Community Service PTO
• "Dress for your day" dress code

Schedule

• Monday to Friday, 8:00am-4:30pm

Why Work at AgCredit?

• We're not just growing-we're growing with purpose and stability.
• We encourage a balanced approach to work and life responsibilities.
• We invest in our people through continuous learning and career growth.
• We live and work in the communities we serve.

Diversity Statement / EEO Statement

We are an Equal Opportunity Employer. AgCredit strives to recruit, hire, train, and promote individuals without regard to race, color, religion, sex, national origin, age, disability, parental status, marital status, political affiliation, military service, or any other non-merit based factor. EOE including disability/veterans.