Risk Asset Credit Officer

Farm Credit Illinois, ACA

23h•$78,000 - $100,000

About The Position

The Risk Asset Credit Officer is a specialized analyst responsible for preserving portfolio quality, minimizing credit losses, and supporting proactive management of distressed and high-risk loan relationships. The role participates in the Credit Services Division Loan Committee. The officer analyzes and underwrites agricultural loan requests, evaluates financial information and risk, and prepares credit recommendations and narratives. The role also supports management of high-risk and distressed relationships through financial analysis, portfolio monitoring, and risk assessment; partners with lending staff and leadership on action plans and servicing strategies; and monitors loan performance, collateral positions, delinquency trends, and servicing plans. The officer provides credit expertise to field staff, participates in loan committees, and supports process improvement, audits, loan reviews, and sound credit administration practices.

Requirements

Strong knowledge of agricultural lending, cash flow analysis, financial statement analysis, and credit risk assessment.
Ability to evaluate complex credit situations, identify risk, and develop practical solutions for high-risk loan relationships.
Strong analytical, problem-solving, and decision-making skills with attention to critical details.
Effective communication skills and ability to collaborate with lending staff, credit professionals, and leadership.
Proficiency with business technology and Microsoft Office applications to support efficient credit analysis and portfolio management.
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.
Ability to work collaboratively in a team environment while exercising sound judgment in complex credit situations.

Nice To Haves

Prior experience in credit/collections.

Responsibilities

Analyze and underwrite agricultural loan requests by evaluating financial information, assessing risk, and preparing comprehensive credit recommendations and narratives.
Support the management of high-risk and distressed loan relationships through detailed financial analysis, portfolio monitoring, and risk assessment.
Partner with lending staff and leadership to develop action plans and servicing strategies that mitigate risk and protect the Association’s financial interests.
Monitor loan performance, collateral positions, delinquency trends, and servicing plans while promoting accountability for timely follow-up and documentation.
Provide credit expertise and support to field staff by assisting with credit decisions, risk ratings, asset valuations, and loan structuring considerations.
Participate in Credit Services Division and Association Loan Committees, contributing to loan approval decisions, structure recommendations, and risk discussions.
Support ongoing process improvement initiatives, audits, loan reviews, and compliance with sound credit administration practices.