Credit Analyst

Farm Credit of Central Florida•Lakeland, FL

14d•Hybrid

About The Position

Farm Credit of Central Florida is seeking an experienced Credit Analyst to join their team at their headquarters in Lakeland, Florida. This role involves working closely with Credit and Lending leadership to evaluate new lending opportunities, support portfolio management, and provide credit recommendations for a diverse loan portfolio, including agricultural, commercial, residential, and middle-market lending. The position offers exposure to various lending types and opportunities for career advancement within a stable, mission-driven organization.

Requirements

Bachelor's degree in Finance, Accounting, Economics, or a related field, or an equivalent combination of education and experience.
Minimum of three (3) years of credit analysis, underwriting, financial analysis, or related banking experience.
Strong understanding of business and personal financial statement analysis.
Strong understanding of cash flow analysis.
Strong understanding of loan structures and underwriting principles.
Strong understanding of the 5 Cs of Credit.
Strong understanding of Generally Accepted Accounting Principles (GAAP).
Proficiency in Microsoft Excel and other business technology applications.
Excellent written, verbal, and presentation communication skills.
Strong organizational and time-management skills with the ability to manage multiple priorities.
Ability to work both independently and collaboratively in a fast-paced environment.
Commitment to Farm Credit of Central Florida's mission, values, and culture.

Nice To Haves

Knowledge of covenant monitoring and portfolio management practices.
Advanced Excel skills.
Experience presenting credit recommendations to committees or approval authorities.
Knowledge of agriculture or farm management practices a plus.

Responsibilities

Analyze financial statements, tax returns, cash flow, collateral, and other financial information to evaluate creditworthiness and repayment capacity.
Underwrite new loan requests in accordance with regulatory requirements, internal policy, and sound credit principles.
Assess borrower and transaction strengths, risks, and mitigants utilizing the 5 Cs of Credit framework.
Assign appropriate risk ratings supported by thorough qualitative analysis and sound judgment.
Develop comprehensive credit presentations and recommendations for management, loan committees, and approval authorities.
Clearly communicate transaction structure, risk assessment, policy exceptions, and supporting rationale.
Partner with loan officers and decision-makers to obtain information necessary for timely credit decisions.
Present complex transactions professionally and confidently to internal stakeholders.
Monitor assigned relationships for compliance with financial and loan covenants.
Review servicing requests, financial reporting, and other portfolio activities in a timely manner.
Identify emerging credit trends and potential risk concerns and communicate findings appropriately.
Support effective portfolio risk management while maintaining strong customer service standards.
Develop a strong working knowledge of Farm Credit lending systems, policies, procedures, and risk management practices.
Demonstrate sound judgment, analytical thinking, and independent decision-making capabilities.
Build toward delegated credit approval authority through demonstrated expertise and performance.
Assist with special projects and increasingly complex lending relationships as experience grows.

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.