Credit Analyst II

Farm Credit Services of America•Mechanicsville, VA

6d•Onsite

About The Position

Colonial Farm Credit is an agricultural credit cooperative seeking a Credit Analyst II for its Mechanicsville, VA office. This role involves gathering, analyzing, and reconciling credit and financial data for loans, preparing loan documents, and making recommendations for loan approval, rates, terms, security, and controls. The Credit Analyst II will also develop loan-servicing plans for credit monitoring.

Requirements

Bachelor’s degree in agricultural economics, finance, business administration, economics or relevant field of study
Moderate to advanced understanding of farm business management, finance, and macroeconomics
Strong analysis, judgment, communication (oral and written), and organizational skills
Computer experience with intermediate to advanced skills in Microsoft Outlook, Word, and Excel
In-depth knowledge and skill in risk analysis, loan administration, and loan servicing
Ability to independently understand and interpret financial statements and cash flow analysis
Ability to work under limited supervision and in compliance with established policies, procedures and regulations
Ability to be assertive and decisive in arriving at sound business decisions
Ability to effectively handle multiple tasks and work independently
Ability to work in a collaborative, team atmosphere
Ability to exercise discretion, independent judgment, initiative, and creativity
Acceptable background reports (credit, criminal, driving, and drug)

Nice To Haves

Four to five years of experience gained through credit related positions
Strong awareness of current economic developments and production technology affecting agriculture in the region
Strong knowledge of farm production methods and products

Responsibilities

Gathering, analyzing, and reconciling credit and financial data for loans using the five credit factors under the guidelines of differential analysis.
Preparing all loan documents associated with the analysis of the assigned credit, including loan agreements when necessary.
Drafting loan analyses explaining loan purpose, structure, risk, controls, etc.
Making recommendations on which the delegated authority will base its decision for loan approval.
Making recommendations of rates, terms, security, and loan controls that are necessary for maintaining an acceptable credit risk.
Developing loan-servicing plans for monitoring credit.