Credit Officer - Livestock Specialist

Farm Credit Illinois•Negotiable within FCI territory, IL

3d•$70,000 - $100,000

About The Position

The Credit Officer, Livestock Specialist provides advanced credit analysis, underwriting, and loan decision support for traditional agricultural loans. The role evaluates credit opportunities, approves or denies loans within delegated authority, participates in loan committees, and supports livestock-focused training and Association initiatives. Farm Credit Illinois is an agricultural financial cooperative serving farmers, rural landowners, and agribusinesses in the southern 60 counties of Illinois. It provides agricultural financing, crop insurance expertise, and country-life lending. The organization manages an $8 billion loan portfolio and employs approximately 300 staff at its Mahomet headquarters and 14 regional offices.

Requirements

Working knowledge of credit analysis, underwriting principles, and regulatory requirements.
General understanding of production agriculture, finance, and macroeconomics.
Strong analytical skills, including the ability to distinguish significant details, assess risk, and make timely, sound decisions.
Proficiency with Microsoft Word, Excel, PowerPoint, and Outlook, and ability to learn and use technology to improve efficiency.
Effective oral and written communication skills and 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 role’s essential functions.

Nice To Haves

A livestock background or related experience.

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 identifying 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.