Senior Credit Analyst

Position Summary:

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 18000 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 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!

Duties and Responsibilities:

Credit Analysis & Underwriting

• 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.

Business 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 Associations values and reputation.

Job Qualifications and Requirements:

• This position requires an associate or bachelors 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.
• We offer hybrid work options after two weeks of employment with Farm Credit East. Hybrid work options are determined based on job role and balancing the needs of the customers the team and individual work performance. This will be reviewed based on manager discretion.

Compensation and Benefits:

• Salary: $80000 - $110000 commensurate with experience.

• Short Term Incentive to reward business results

• Retirement Contributions:

  • 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

• Time Off:

  • 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

• Health and Insurance:

  • 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

• Additional Benefits:

  • Tuition reimbursement

  • Continuing education and training

  • Employee Assistance Program offering a wide variety of tools and resources
• Benefits Eligibility
  • Eligibility Begins: First of the month following your hire date
  • Eligible Employees: Full-time employees working 30 hours per week; Part-time employees working 20 hours per week

Farm Credit East is an Equal Opportunity Employer. As an Equal Opportunity Employer we do not discriminate on the basis of race color religion national origin sex sexual orientation gender identity or expression age marital status parental status political affiliation disability status protected veteran status genetic information or any other status protected by federal state or local law. It is our goal to make employment decisions that further the principle of equal employment opportunity by utilizing objective standards based upon an individuals qualifications for a specific job compliance with the Americans with Disabilities Act (ADA) if you have a disability and would like a reasonable accommodation in order to apply for a position with Farm Credit East please call 1- or e-mail.