Senior Credit Analyst

Farm Credit East•Auburn, ME

1d•$80,000 - $110,000•Hybrid

About The Position

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $13.5 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information. The Senior Credit Analyst is a trusted credit professional responsible for independently underwriting, structuring, and recommending moderate to high complexity credit relationships. This role plays a critical part in balancing portfolio risk and growth by exercising sound credit judgment, influencing deal structure, and partnering closely with relationship managers and leadership. In addition to underwriting responsibilities, the Senior Credit Analyst serves as a subject matter resource for credit policy, financial analysis, and best practices across the credit delivery process. The value drivers for this role are as follows: Create operational efficiency by independently analyzing complex credit requests, assessing risk, and delivering well reasoned credit recommendations Fuels organizational consistency through strong credit judgment, clear communication, and adherence to sound underwriting standards Protects the Association by ensuring high quality credit decisions while supporting sustainable portfolio growth Come join a collaborative, customer-focused team at Farm Credit East!

Requirements

This position requires an associate or bachelor’s degree in Agriculture, Agri-Business, Economics, Finance, Business or a related field.
Five or more years of credit analysis and underwriting experience, with demonstrated responsibility for independently underwriting and recommending complex credit relationships.
Strong working knowledge of credit policy, financial analysis, risk rating methodologies, and loan structuring principles.

Responsibilities

Independently underwrites and structures moderate to high complexity credit relationships, including larger exposures and multi entity borrowers, providing clear, defensible credit recommendations.
Applies strong judgment in evaluating risk, identifying mitigating factors, and recommending appropriate credit terms, conditions, and structures.
Interprets and applies credit policy to both standard and non standard transactions; prepares and supports policy exceptions when appropriate, ensuring proper documentation and approvals.
Ensures credit classifications, risk ratings, and all related financial information are accurate, current, and aligned with portfolio risk expectations.
Delivers timely, high quality underwriting using approved lending systems and tools across all assigned levels of loan complexity.
Serves as a credit resource for lenders and analysts by providing guidance on financial analysis, credit structuring, and policy interpretation.
Reviews and provides constructive feedback on analyses prepared by less experienced analysts to support quality, consistency, and professional development.
Assesses borrower financial information for opportunities to deepen relationships, including new lending, consolidations, crop insurance, recordkeeping, and tax preparation services.
Contributes to positive customer and public relationships by communicating credit decisions clearly and professionally while promoting the Association’s values and reputation.

Benefits

Salary: $80,000 - $110,000 commensurate with experience.
Short Term Incentive to reward business results
401(k) match up to 6% of salary; or for those unable to take full advantage of the 401(k) match, verified student loan payments may qualify for an employer match in your 401(k) up to 6% of salary
Defined Contribution retirement plan funded at 2-9% of salary depending on years of service
15-25 days of vacation leave per year, depending on years of service
12 days of holiday leave per year
7.5 days of sick leave in your first year, followed by 12 days of sick leave per year thereafter; unlimited rollover of unused sick leave year to year
Paid Parental Leave: Up to 80 hours of paid leave for birthing, non-birthing, and adoptive parents
Family Care Leave: Additional leave options available under SMLA and company policy
Comprehensive medical, dental, and vision plans, including preventive care and wellness programs to support your overall health and well-being
Health Savings Account
Life insurance at 2x base pay
Accidental Death and Dismemberment insurance at 2x base pay
Long-term disability insurance at 2/3 base pay
Tuition reimbursement
Continuing education and training
Employee Assistance Program offering a wide variety of tools and resources