Credit Manager

Farm Credit; Mechanicsville (VA); On-site; USD 98,000 - 135,000; Full time

Benefits offered by this job

Benefits package

401k up to 9%

Profit sharing

Job summary

Colonial Farm Credit in Mechanicsville, VA, seeks a Credit Manager I or II to lead the Credit Analyst team, oversee underwriting workflow, and drive sound credit decisions. The role focuses on mentoring analysts, ensuring regulatory compliance, and guiding risk assessments within the credit function.

The position requires strong leadership, extensive underwriting experience, and knowledge of agricultural and commercial credit practices, with opportunities to influence portfolio risk management

Qualifications

• Bachelor’s degree in Accounting, Finance, Business, Agricultural Economics, Agriculture, or a related field.
• Seven (7) or more years of progressively responsible experience in lending, underwriting, credit administration, or credit analysis.
• Minimum of three (3) years of management or supervisory experience.
• Strong knowledge of agricultural and commercial credit underwriting.
• Excellent leadership, communication, problem-solving, and organizational skills.
• Knowledge of financial analysis, credit risk management, lending regulations, collateral evaluation, and credit administration practices.
• Acceptable background reports (credit, criminal, driving, and drug).

Responsibilities

• Lead, coach, mentor, and develop a team of six Credit Analysts
• Assign, prioritize, and manage underwriting workflow
• Review and approve credit analyses to ensure accuracy, consistency, and compliance with policy and regulatory standards
• Provide guidance on financial analysis, repayment capacity, collateral evaluation, risk ratings, and loan structures
• Assist with recruiting, onboarding, and training Credit Analysts
• Support participation lending activities, including underwriting, portfolio monitoring, and risk assessment
• Assist with credit administration initiatives, process improvements, and implementation of underwriting tools
• Identify emerging credit risks and recommend appropriate mitigation strategies
• Facilitate team meetings and promote knowledge sharing across the credit function

Skills

Leadership

Credit underwriting

Financial analysis

Risk management

Team supervision

Communication

Education

Bachelor’s degree in Accounting, Finance, or related field

Job description

Employing Unit: Colonial Farm Credit

Position Title: Credit Manager I or Credit Manager II

Salary: $97,900-$121,900 (Credit Manager I) or $107,700-$134,600 (Credit Manager II)

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 Manager in our Mechanicsville, Virginia office. The Credit Manager is responsible for the leadership, development, and oversight of the Association’s Credit Analyst Team. This position provides direction, training, mentoring, and quality control for Credit Analysts while serving as a key resource on underwriting standards, credit policy, risk assessment, and portfolio management.

The Credit Manager works closely with lending and credi t administration leadership to promote sound credit decisions, efficient workflow management, and the continued development of the Association’s credit function. This position will supervise six direct reports and play a vital role in ensuring consistent underwriting quality, regulatory compliance, and effective credit risk management.

Primary Responsibilities

• Lead, coach, mentor, and develop a team of six Credit Analysts
• Assign, prioritize, and manage underwriting workflow
• Review and approve credit analyses to ensure accuracy, consistency, and compliance with policy and regulatory standards
• Provide guidance on financial analysis, repayment capacity, collateral evaluation, risk ratings, and loan structures
• Assist with recruiting, onboarding, and training Credit Analysts
• Support participation lending activities, including underwriting, portfolio monitoring, an d risk assessment
• Assist with credit administration initiatives, process improvements, and implementation of underwriting tools
• Identify emerging credit risks and recommend appropriate mitigation strategies
• Facilitate team meetings and promote knowledge sharing across the credit function

Education and Experience

Required

• Bachelor’s degree in Accounting, Finance, Business, Agricultural Economics, Agriculture, or a related field
• Seven (7) or more years of progressively responsible experience in lending, underwriting, credit administration, or credit analysis
• Minimum of three (3) years of management or supervisory experience
• Strong knowledge of agricultural and commercial credit underwriting
• Excellent leadership, communication, problem-solving, and organizational skills
• Knowledge of financial analysis, credit risk management, lending regulations, collateral evaluation, and credit administration practices
• Acceptable background reports (credit, criminal, driving, and drug)

Preferred (and beneficial to successful applicant)

• MBA or other advanced degree
• Experience with participation lending and capital markets activities
• Knowledge of agricultural production and rural lending
• Experience leading process improvement and workflow enhancement initiatives

Location: Administrative Office, 7104 Mechanicsville Turnpike, Mechanicsville VA 23111

Supervisor: Chris Simms, Director of Credit Administration and Capital Markets Officer

Applications Accepted Through: Monday, October 26, 2026

EOE/D/V