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 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 Credit 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 "C's" 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.

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

• 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.

• 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, record‑keeping, and tax preparation opportunities.

• This position requires an associate or bachelor's 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.
• 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.

• Salary: $65,000 - $80,000 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…