Credit Manager

Farm Credit Services of America • Mechanicsville, VA

23h • Onsite

About The Position

Colonial Farm Credit is an agricultural credit cooperative that provides loans for production capital for full-time and part-time farmers, ag-related businesses, farms and country homes, land purchases, home construction and improvements, and buildings, machinery, livestock, and equipment. This position is responsible for the leadership, development, and oversight of the Association's Credit Analyst Team. This role provides direction, training, mentoring, and quality control for Credit Analysts while serving as a key resource on underwriting standards, credit policy, risk assessment, and portfolio management. The Credit Manager works closely with lending and credit administration leadership to promote sound credit decisions, efficient workflow management, and the continued development of the Association's credit function. This position will supervise six direct reports and play a vital role in ensuring consistent underwriting quality, regulatory compliance, and effective credit risk management.

Requirements

• Bachelor's degree in Accounting, Finance, Business, Agricultural Economics, Agriculture, or a related field
• Seven (7) or more years of progressively responsible experience in lending, underwriting, credit administration, or credit analysis
• Minimum of three (3) years of management or supervisory experience
• Strong knowledge of agricultural and commercial credit underwriting
• Excellent leadership, communication, problem-solving, and organizational skills
• Knowledge of financial analysis, credit risk management, lending regulations, collateral evaluation, and credit administration practices
• Acceptable background reports (credit, criminal, driving, and drug)

Nice To Haves

• MBA or other advanced degree
• Experience with participation lending and capital markets activities
• Knowledge of agricultural production and rural lending
• Experience leading process improvement and workflow enhancement initiatives

Responsibilities

• Lead, coach, mentor, and develop a team of six Credit Analysts
• Assign, prioritize, and manage underwriting workflow
• Review and approve credit analyses to ensure accuracy, consistency, and compliance with policy and regulatory standards
• Provide guidance on financial analysis, repayment capacity, collateral evaluation, risk ratings, and loan structures
• Assist with recruiting, onboarding, and training Credit Analysts
• Support participation lending activities, including underwriting, portfolio monitoring, and risk assessment
• Assist with credit administration initiatives, process improvements, and implementation of underwriting tools
• Identify emerging credit risks and recommend appropriate mitigation strategies
• Facilitate team meetings and promote knowledge sharing across the credit function

Benefits

• up to 9% 401k contributions
• profit sharing program

What This Job Offers

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