Senior Credit Officer

Farm Credit Illinois, ACA

23h • $85,000 - $140,000

About The Position

The Senior Credit Officer provides advanced credit analysis, underwriting expertise, and loan decisioning support for large and complex credit relationships. The role partners closely with lending teams to evaluate risk, structure financing solutions, support sound credit administration, and help maintain a high-quality loan portfolio while serving as a technical credit resource across the Association.

Farm Credit Illinois 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. It provides financing, crop insurance expertise, and rural country-life lending, and manages an $8 billion loan portfolio. The organization employs approximately 300 staff at its Mahomet headquarters and 14 regional offices.

Requirements

• Bachelor’s degree in finance, agriculture, business, or a related field.
• Five years of related experience in credit analysis or underwriting, or an equivalent combination of education and experience sufficient to perform the essential functions of the role.
• Expert knowledge of credit analysis, underwriting principles, and regulatory requirements.
• Understanding of production agriculture, finance, and macroeconomic factors that influence lending and credit decisions.
• Advanced analytical and decision-making skills, including the ability to evaluate complex information, identify key risks, and exercise sound judgment.
• Proficiency with Microsoft Excel and technology tools to support efficient analysis, reporting, and workflow management.
• Strong verbal and written communication skills.

Responsibilities

• Analyze and underwrite large and complex loan requests by evaluating financial information, assessing risk, determining eligibility, and developing comprehensive credit recommendations.
• Apply the 5 C’s of Credit, financial projections, collateral analysis, and risk assessment tools to support sound lending decisions and appropriate loan structures.
• Partner with lending teams as a trusted credit resource, support credit administration, evaluate lending standards, and provide technical expertise on complex credit matters.
• Participate in Credit Services Division and Association Loan Committees by evaluating loan opportunities, determining appropriate structures and terms, and making loan approval recommendations and decisions within delegated authority.
• Develop written credit narratives, loan servicing plans, covenant recommendations, and troubled debt restructuring evaluations to support portfolio quality and risk management.
• Provide credit training and guidance to lending staff, contribute to process improvement initiatives, and enhance underwriting consistency across the Association.
• Monitor industry, agricultural, and economic trends and use those insights to strengthen underwriting decisions and portfolio risk management.

Benefits

• Competitive compensation with an annualized base salary range of $85,000–$140,000, commensurate with experience.
• Bonus based on team and individual performance.
• 401(k) with a 3% employer contribution and 6% employer match.
• Vacation days and sick days.
• 13 paid holidays.
• Parental leave.
• Volunteer leave.
• Medical, dental, vision, and life insurance.
• Professional development and career growth opportunities.

What This Job Offers

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