Credit Analyst Specialist

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.

TheCredit Analyst Specialist role is responsible for analyzing credit applications and effectively communicating the strengths and weaknesses of proposed credit requests. The analyst applies sound credit principles to structure appropriate credit facilities while balancing risk management customer needs and organizational objectives.

This role requires a strong working knowledge of credit analysis and underwriting including the five Cs of credit and an understanding of the full credit delivery process. The Credit Analyst works independently on routine to moderately complex credits and collaborates with team members and leadership on more complex relationships. Sound credit analysis effective communication and consistent application of policy are essential to protecting the Association while supporting quality portfolio growth.

The value drivers for this role are as follows:

• Create operational efficiency by effectively and efficiently analyzing credit requests and assessing risk
• Supports organizational consistency through effective communication and adherence to credit standards
• Protects the Association while meeting customer needs and supporting responsible business growth

Come join a collaborative customer-focused team at Farm Credit East!

Duties and Responsibilities:

Credit Analysis & Underwriting

• Analyzes and underwrites routine to moderately complex credit requests clearly identifying strengths weaknesses and key risks.
• Applies credit policy and procedures to meet underwriting requirements ensuring loans are appropriately structured priced and documented.
• Ensures credit classifications risk ratings and all related financial information are accurate and current for assigned loans.
• Completes financial analysis and underwriting using approved tools systems and lending software within established timelines.
• Prepares clear well supported credit recommendations and communicates findings effectively to relationship managers and credit leadership.
• Collaborates with team members and seeks guidance as needed on more complex credits or non standard situations.

Business Development

• Actively assesses financial information for opportunities to cross sell paying particular attention to mining the balance sheet for new lending opportunities consolidating takedowns identifying crop insurance recordkeeping and tax preparation opportunities.

Job Qualifications and Requirements:

• This position requires an associate or bachelors degree in Agriculture Agri-Business Economics Finance Business or a related field.
• 3 to 5 years of credit analysis and underwriting experience with demonstrated ability to independently analyze and recommend routine to moderately complex credit requests.
• Working knowledge of credit policy financial analysis and risk rating concepts.
• Ability to manage multiple priorities meet deadlines and communicate credit information clearly and professionally.
• Desire to continue developing credit judgment and technical skills within a collaborative team environment.
• 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: $65000 - $80000 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.