Credit Analyst - Mechanicsville Virginia

Company: Farm Credit Council
Location: Mechanicsville, Virginia
Posted On: 04/17/2024

Employing Unit: Colonial Farm Credit

Position Title: Credit Analyst

Salary: Commensurate with experience and qualifications plus superb benefits package provided to all employees including up to 9% 401k contributions and profit sharing program

Position Summary:

Colonial Farm Credit is an agricultural credit cooperative and provides loans for:

* Production capital for full-time and part-time farmers

* The Forest products industry

* Ag-related businesses

* Farms and country homes

* Land purchases, home construction, and improvements

* Buildings, machinery, livestock, and equipment

We have an excellent employment opportunity for a Cred it Analyst in our Commercial Loan Group. The candidate will be responsible for:

* gathering, analyzing, and reconciling credit and financial data for all types of commercial credits (mid-size, large, and complex forest products industry and agricultural loans) using the five credit factors under the guidelines of differential analysis

* preparing all loan documents associated with the analysis of the assigned credit including loan agreements when necessary and drafting loan analyses explaining loan purpose, structure, risk, controls, etc.

* making recommendations on which the delegated authority will base its decision for loan approval

* making recommendations of rates, terms, security, and loan controls that are necessary for maintaining an acceptable credit risk

* developing loan-servicing plans for monitoring credit

Education and Experience:

Required:

* Bachelor's degree in agricultural economics, finance, business administration, or economics

* General understanding of farm business management, finance, and macroeconomics

* Strong analysis, judgment, communication (oral and written), and organizational skills

* Computer experience with intermediate skills in Microsoft Outlook, Word, and Excel to carry out the essential responsibilities of this position

* In-depth knowledge and skill in risk analysis, loan administration, and loan servicing

* Ability to:

o understand and interpret financial statements and cash flow analysis

o work under limited supervision and in compliance with established policies, procedures and regulations

o be assertive and decisive in arriving at sound business decisions

o effectively handle multiple tasks and work independently

o wor k in a team atmosphere

o exercise discretion, independent judgment, initiative, and creativity

* Acceptable background reports (credit, criminal, driving, and drug)



Preferred (and beneficial to successful applicant):

* Three (3) years or more of employment experience gained through credit positions

* Awareness of current economic developments and production technology affecting agriculture and the forest products industry in the region

* Knowledge of farm and or forest products industry production methods and products



Location: Administrative Office, 7104 Mechanicsville Turnpike, Mechanicsville VA 23111 (negotiable; any Association office within close proximity to successful candidate's residence and based on space availability within other offices)



Supervisor: Corey Robinson, Senior Relationship Manager



Applications Accepted Through: Thursday, April 11, 2024

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