Credit Analyst

Are you ready for a career that will make a difference? As a Farm Credit team member, you will be part of a cooperative that helps Florida farmers and ranchers secure the necessary funding to provide a stable, healthy, and sustainable food supply, and to support the environmental and economic benefits of horticulture. Farm Credit of Central Florida supports rural communities and agriculture in 13 central Florida counties, including Polk, Citrus, Pinellas, Pasco, Hernando, Hillsborough, Lake, Sumter, Osceola, Orange, Seminole, Volusia, and Brevard.

A leading agribusiness lender, it provides over $1 billion in originated loans and other financial services to its member-borrowers.

• Analyze and evaluate financial statements and other related material for new loan requests in accordance with all policies, procedures, and regulations.
• Perform timely review of servicing requests as needed.
• Communicate as needed with loan officers and approvers to obtain additional information necessary for underwriting and/or provide status updates.
• Prepare credit packages for presentation to the appropriate approval level, including formal presentations to loan committee. Credit packages contain a professional written narrative of the proposed transaction, evaluate the 5 Cs of Credit, assign a supportable risk rating, and adequately justify any exceptions to credit policy.
• Potentially be assigned credit approval authority upon demonstrating proficiency in credit, regulatory, and internal practices and requirements.
• Monitor and service accounts for compliance with loan and financial covenants within assigned relationships.
• Demonstrate the ability to apply sound judgement and decision‑making capabilities.
• Attain a working knowledge of Farm Credit loan operating systems and develop an understanding of all company policies and procedures related to credit analysis, loan servicing, and risk management.
• Ensure internal controls are adhered to in accordance with policies and procedures.
• Act as a self‑starter and complete assignments with relative independence, accurately and in a timely manner.
• Manage multiple assignments at once.

• Bachelor’s degree in finance, accounting, or economics, or equivalent experience.
• Minimum 3 years of credit or financial analysis experience.
• Robust understanding of personal and business financial statements, 5
  
  Cs of Credit, loan structures, and GAAP.
• Proficient in Microsoft Excel.
• Excellent written and verbal communication skills.
• Ability to work in a fast‑paced environment both independently and as part of a team.
• Must adhere to Farm Credit of Central Florida’s mission and core values.

This role will be considered for a hybrid work schedule, with up to 2 days per week remote, after the incumbent achieves a high level of independence and productivity on assigned work.

• Meaningful career
• Competitive compensation with paid time off, holidays, and volunteer time
• Performance based incentive plan
• Excellent benefits program
• Generous 401(k) matching contributions, as well as additional employer contributions
• Training and development opportunities
• Advancement opportunity through internal postings
• Salary commensurate with experience
• Education reimbursement for approved higher education pursuits
• A wellness program for employees, which includes gym reimbursement and resources for a healthier lifestyle
• Equal Opportunity Employer including veterans and individuals with disabilities