Credit Analyst

Farm Credit of Central Florida•Lakeland, FL

1d•Hybrid

About The Position

Are you ready for a career that will make a difference? As a Farm Credit team member, you will be a part of a cooperative that helps Florida farmers and ranchers with the necessary funding to provide the world with a stable, healthy, and sustainable food supply, as well as the environmental and economic benefits of horticulture. We recognize the vitality of Florida agriculture and take pride in serving as a resource to rural America. To ensure the continuity of this resource, it takes a staff with a diverse array of expertise. Our employees come from all walks of life, all around the world. Many of our employees started their careers with no agricultural background, while others are deeply rooted in the industry. Regardless of where your career has taken you, Farm Credit of Central Florida will provide you with the opportunities, tools, and resources to take you to where you want to go. Farm Credit of Central Florida supports rural communities and agriculture in 13 central Florida counties including, Polk, Citrus, Pinellas, Pasco, Hernando, Hillsborough, Lake, Sumter, Osceola, Orange, Seminole, Volusia and Brevard. Part of the nationwide Farm Credit System, the association loans funds for agricultural purposes, makes residential loans, and sells crop insurance. Over 1,200 borrowers have chosen Farm Credit of Central Florida as their lender of choice. Farm Credit of Central Florida provides over $1 billion in originated loans and other financial services to its member-borrowers. Farm Credit of Central Florida, a leading agribusiness lender seeks a Credit Analyst for our headquarters in Lakeland, Florida. This position works under the guidance of the Chief Credit Officer and Credit Analyst Manager, on transactions and relationships exhibiting varying levels of complexity, and may occasionally work on middle market and capital market requests.

Requirements

Bachelor’s degree in finance, accounting, or economics, or equivalent experience
Minimum 1-3 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.