Risk Asset Credit Officer

Farm Credit Illinois; Illinois; Presencial; USD 78 000 - 100 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

401(k) with 3% employer contribution

6% employer match

vacation days

sick days

13 paid holidays

parental leave

volunteer leave

medical insurance

dental insurance

vision insurance

life insurance

Resumo da oferta

Farm Credit Illinois is seeking a Risk Asset Credit Officer to analyze, underwrite, and monitor agricultural loan portfolios, supporting distressed and high-risk relationships. The role participates in loan committees and collaborates with lending staff to protect the institution’s financial interests.

The ideal candidate will have a strong background in agricultural lending, financial analysis, and credit risk assessment, plus the ability to communicate effectively with cross-functional teams.

Qualificações

• Strong knowledge of agricultural lending, cash flow analysis, financial statement analysis, and credit risk assessment.
• Ability to evaluate complex credit situations, identify risk, and develop practical solutions for high-risk loan relationships.
• Strong analytical, problem-solving, and decision-making skills with attention to critical details.
• Effective communication skills and the ability to collaborate with lending staff, credit professionals, and leadership.
• Proficiency with business technology and Microsoft Office applications to support efficient credit analysis and portfolio management.

Responsabilidades

• Analyze and underwrite agricultural loan requests by evaluating financial information, assessing risk, and preparing comprehensive credit recommendations and narratives.
• Support the management of high-risk and distressed loan relationships through detailed financial analysis, portfolio monitoring, and risk assessment.
• Partner with lending staff and leadership to develop action plans and servicing strategies that mitigate risk and protect the Association’s financial interests.
• Monitor loan performance, collateral positions, delinquency trends, and servicing plans while promoting accountability for timely follow-up and documentation.
• Provide credit expertise and support to field staff by assisting with credit decisions, risk ratings, asset valuations, and loan structuring considerations.Participate in Credit Services Division and Association Loan Committees, contributing to loan approval decisions, structure recommendations, and risk discussions.
• Support ongoing process improvement initiatives, audits, loan reviews, and compliance with sound credit administration practices.

Conhecimentos

Agricultural lending knowledge

Cash flow analysis

Financial statement analysis

Credit risk assessment

Analytical skills

Effective communication

MS Office proficiency

Formação académica

Bachelor’s degree in finance, agriculture, business

Ferramentas

Microsoft Office

Descrição da oferta de emprego

About Farm Credit Illinois

Farm Credit Illinois (FCI) is an agricultural financial cooperative owned by more than 17,400 farmer, rural landowner, 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 78,000.00 - 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 Risk Asset Credit Officer is a specialized analyst responsible for preserving portfolio quality, minimizing credit losses and supporting proactive management of distressed and high-risk loan relationships. The incumbent participates in Credit Services Division Loan Committee.

What You Will Contribute

• Analyze and underwrite agricultural loan requests by evaluating financial information, assessing risk, and preparing comprehensive credit recommendations and narratives.
• Support the management of high-risk and distressed loan relationships through detailed financial analysis, portfolio monitoring, and risk assessment.
• Partner with lending staff and leadership to develop action plans and servicing strategies that mitigate risk and protect the Association’s financial interests.
• Monitor loan performance, collateral positions, delinquency trends, and servicing plans while promoting accountability for timely follow-up and documentation.
• Provide credit expertise and support to field staff by assisting with credit decisions, risk ratings, asset valuations, and loan structuring considerations.Participate in Credit Services Division and Association Loan Committees, contributing to loan approval decisions, structure recommendations, and risk discussions.
• Support ongoing process improvement initiatives, audits, loan reviews, and compliance with sound credit administration practices.

What We Are Looking For

Required Skills

• Strong knowledge of agricultural lending, cash flow analysis, financial statement analysis, and credit risk assessment.
• Ability to evaluate complex credit situations, identify risk, and develop practical solutions for high-risk loan relationships.
• Strong analytical, problem-solving, and decision-making skills with attention to critical details.
• Effective communication skills and the ability to collaborate with lending staff, credit professionals, and leadership.
• Proficiency with business technology and Microsoft Office applications to support efficient credit analysis and portfolio management.

Minimum Qualifications

• Bachelor’s degree in finance, agriculture, business, or a related field or an equivalent combination of education and experience sufficient to perform the essential functions of the role.
• Prior experience in credit/collections is a plus.
• Ability to work collaboratively in a team environment while exercising sound judgment in complex credit situations.

Farm Credit Illinois is an Equal Employment / Aff... employer. We do not discriminate in hiring based on any characteristic protected by law.

If you need a reasonable accommodation during any part of the employment process, please contact [e-mail]. Requests will be reviewed on a case-by-case basis.