Credit Analyst

Farm Credit of Central Florida • Lakeland, FL

7d • Hybrid

About The Position

Farm Credit of Central Florida is seeking a Credit Analyst for its headquarters in Lakeland, Florida. This position operates under the guidance of the Chief Credit Officer and Credit Analyst Manager, handling transactions and relationships of varying complexity, and may occasionally assist with middle market and capital market requests. The role involves analyzing financial statements, reviewing servicing requests, communicating with loan officers, preparing credit packages, monitoring accounts for compliance, and adhering to internal controls. The company is a leading agribusiness lender that supports rural communities and agriculture in 13 central Florida counties, providing funding to farmers and ranchers. Farm Credit of Central Florida is part of the nationwide Farm Credit System and offers loans for agricultural purposes, residential loans, and crop insurance.

Requirements

• Bachelor’s degree in finance, accounting, or economics, or equivalent experience
• Minimum 3 years of credit of financial analysis experience
• Robust understanding of personal and business financial statements, 5Cs of Credit, loan structures, and GAAP
• Proficient in Microsoft Excel
• Excellent written and verbal communication skills
• Ability to work in a fast-paced environment both independently and as part of a team
• Must adhere to Farm Credit of Central Florida’s mission and core values.

Responsibilities

• Analyze and evaluate financial statements and other related material for new loan requests in accordance with all policies, procedures, and regulations.
• Perform timely review of servicing requests as needed.
• Communicate as needed with loan officers and approvers to obtain additional information necessary for underwriting and/or provide status updates.
• Prepare credit packages for presentation to the appropriate approval level, including formal presentations to loan committee. Credit packages will contain professional written narrative of the proposed transaction, evaluate the 5 Cs of Credit, assign a supportable risk rating, and adequately justify any exceptions to credit policy.
• Potentially be assigned credit approval authority upon demonstrating proficiency in credit, regulatory, and internal practices and requirements.
• Monitor and service accounts for compliance with loan and financial covenants within assigned relationships.
• Demonstrate the ability to apply sound judgement and decision-making capabilities.
• Attain a working knowledge of Farm Credit loan operating systems and develop an understanding of all company policies and procedures related to credit analysis, loan servicing, and risk management.
• Ensure internal controls are adhered to in accordance with policies and procedures.
• Act as a self-starter and to complete assignments with relative independence, in an accurate and timely manner.
• Manage multiple assignments at once.

Benefits

• Competitive compensation
• Paid time off
• Holidays
• Volunteer time
• Performance based incentive plan
• Excellent benefits program
• Generous 401(k) matching contributions, as well as additional employer contributions
• Training and development opportunities
• Advancement opportunity through internal postings
• Education reimbursement for approved higher education pursuits
• A wellness program for employees, which includes gym reimbursement and resources for a healthier lifestyle.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level