Credit Officer - Livestock Specialist

Farm Credit Illinois; Illinois; On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

401(k) with 3% employer contribution

6% employer match

Vacation and holidays

Job summary

Farm Credit Illinois is seeking a Credit Officer, Livestock Specialist to provide advanced credit analysis, underwriting, and loan decision support for traditional agricultural loans. You will evaluate opportunities, approve or deny loans within delegated authority, participate in loan committees, and support livestock-focused training and initiatives.

The role emphasizes applying the 5 C's of Credit, establishing loan covenants, and maintaining data confidentiality while representing Credit

Qualifications

• Ability to analyze and underwrite traditional agricultural loan requests using financials, projections, and ratios.
• Apply the 5 C's of Credit, lending standards, risk ratings, and collateral analysis.
• Prepare written credit narratives identifying trends, strengths, weaknesses, risks, and conformity with lending standards.

Responsibilities

• Establish loan covenants, servicing plans, and risk-mitigation strategies.
• Evaluate troubled credits, restructures, allowances, charge-offs, and recoveries.
• Develop livestock-focused training and share credit philosophy, tools, and resources.
• Protect confidentiality, security, and integrity of data; represent Credit Services in livestock programs.

Skills

Credit analysis

Underwriting

Financial projections

Risk assessment

Lending standards

Education

Bachelor's degree in Finance or related field

Job description

About Farm Credit Illinois

Farm Credit Illinois (FCI) is an agricultural financial cooperative owned by more than 17,400 farmers, rural landowners, and agribusiness voting stockholders in the southern 60 counties of Illinois. Dedicated to Helping Farm Families Succeed, FCI provides competitive and flexible financing, crop insurance expertise, and Rural 1st country life lending. FCI manages an $8 billion loan portfolio, sells 1.5 million acres of crop insurance coverage, and employs approximately 300 staff in the Mahomet headquarters and 14 regional offices. The U.S. Farm Credit System is a network of locally owned cooperatives supporting rural communities, farm families, and agriculture with reliable, consistent credit and financial services today and tomorrow.

Why Join Us

• Competitive compensation package. Grade and salary commensurate with experience, with an annualized base salary range of 70,000.00 - 100,000.00plus a bonus based on team and individual performance. This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting.
• Comprehensive benefit package includes 401(k) with 3% employer contribution and 6% employer match, vacation days, sick days, 13 paid holidays, parental leave, and volunteer leave, along with medical, dental, vision, and life insurance as further described at https://www.farmcreditfoundations.com/fcfbenefits/.
• Professional development and career growth opportunities.
• Opportunity to work for a reputable and community-focused financial institution dedicated to a positive, collaborative work environment that encompasses the association’s mission to serve our members and the agricultural industry as we strive to help farm families succeed

The Role

The Credit Officer, Livestock Specialist provides advanced credit analysis, underwriting, and loan decision support for traditional agricultural loans. This role evaluates credit opportunities, approves or denies loans within delegated authority, participates in loan committees, and supports livestock-focused training and Association initiatives.

What You Will Contribute

• Analyze and underwrite traditional agricultural loan requests by reviewing application information, compiling financials, completing projections and ratio analysis, and evaluating eligibility and risk.
• Apply the 5 C's of Credit, lending standards, risk ratings, loss-given-default assignments, and collateral analysis to support sound credit decisions and appropriate loan structures.
• Prepare written credit narratives that identify financial trends, strengths, weaknesses, risks, and conformity with lending standards.
• Establish loan covenants, servicing plans, and risk-mitigation strategies; evaluate troubled credits, troubled debt restructures, allowances, charge-offs, and recoveries.
• Develop and deliver livestock-specific training and share Farm Credit Illinois credit philosophy, tools, and resources.
• Protect the confidentiality, security, and integrity of Association and customer data.
• Represent Credit Services in livestock-related programs and Association initiatives.