Credit Officer - Livestock Specialist
About The Position
Farm Credit Illinois (FCI) is an agricultural financial cooperative owned by more than 17,400 farmers, rural landowners, and agribusiness voting stockholders in the southern 60 counties of Illinois. Dedicated to Helping Farm Families Succeed, FCI provides competitive and flexible financing, crop insurance expertise, and Rural 1st® country life lending. FCI manages an $8 billion loan portfolio, sells 1.5 million acres of crop insurance coverage, and employs approximately 300 staff in the Mahomet headquarters and 14 regional offices. The U.S. Farm Credit System is a network of locally owned cooperatives supporting rural communities, farm families, and agriculture with reliable, consistent credit and financial services today and tomorrow.
Requirements
- Working knowledge of credit analysis, underwriting principles, and regulatory requirements.
- General understanding of production agriculture, finance, and macroeconomics.
- Strong analytical skills with the ability to distinguish significant details, assess risk, and make timely, sound decisions.
- Proficiency with Microsoft Word, Excel, PowerPoint, and Outlook, with the ability to learn and use technology to improve efficiency.
- Effective oral and written communication skills with the ability to collaborate and exchange information with colleagues, leadership, and customers.
- Bachelor’s degree in finance, agriculture, business, or a related field or an equivalent combination of education and experience sufficient to perform the essential functions of the role
Nice To Haves
- A livestock background or related experience is preferred.
Responsibilities
- Analyze and underwrite traditional agricultural loan requests by reviewing application information, compiling financials, completing projections and ratio analysis, and evaluating eligibility and risk.
- Apply the 5 C’s of Credit, lending standards, risk ratings, loss-given-default assignments, and collateral analysis to support sound credit decisions and appropriate loan structures.
- Prepare written credit narratives that identify financial trends, strengths, weaknesses, risks, and conformity with lending standards.
- Establish loan covenants, servicing plans, and risk-mitigation strategies; evaluate troubled credits, troubled debt restructures, allowances, charge-offs, and recoveries.
- Develop and deliver livestock-specific training and share Farm Credit Illinois credit philosophy, tools, and resources.
- Protect the confidentiality, security, and integrity of Association and customer data.
- Represent Credit Services in livestock-related programs and Association initiatives.
Benefits
- Competitive compensation package.
- Grade and salary commensurate with experience, with an annualized base salary range of 70,000.00 - 100,000.00 plus a bonus based on team and individual performance.
- 401(k) with 3% employer contribution and 6% employer match
- vacation days
- sick days
- 13 paid holidays
- parental leave
- volunteer leave
- medical, dental, vision, and life insurance
- Professional development and career growth opportunities.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
