Credit Manager

JOB DESCRIPTION

Join the AgCredit Team:
Credit Manager

Location:

Within AgCredit Territory

Our mission at AgCredit is to create lifelong opportunities for our customers and employees by striving to be the premier cooperative lender and employer in our rural communities. Our core values focus on relationships, respect, integrity, service, accountability, teamwork and courage for our customers' and employees' success. As a cooperative agricultural lending institution, our commitment is to our customer-owners.

Headquartered in Fostoria, OH, AgCredit serves over 7,000 member-owners in 15 lending offices throughout 18 counties across northwest and central Ohio. As part of the nationwide Farm Credit System, we are proud to return our profits back to our members through our patronage program. We hope you'll consider joining our experienced lending team as we continue to serve our customers, employees and communities.

The Credit Manager is responsible for oversight of credit quality, underwriting integrity, and portfolio risk management across assigned regions or the Association. This role combines advanced credit analysis expertise with leadership of credit staff and credit processes, ensuring consistent application of AgCredit's underwriting standards, risk philosophy, and internal controls. The position will work closely with the other credit manager(s) and will be responsible for supervising, leading, & developing the credit analysts assigned to them.

The position serves as a key link between Credit Administration, field lending teams, & ELT providing independent credit guidance, ensuring sound loan structures, and maintaining compliance with AgCredit policy, Farm Credit Administration (FCA) regulations, and safety and soundness expectations. The Credit Manager will comply with all AgCredit, ACA policies and procedures while maintaining regular and punctual attendance as expected of this position.

• Lead and oversee credit underwriting activities, ensuring adherence to AgCredit's credit philosophy, underwriting standards, and risk appetite.
• Review and approve or recommend action on complex, large, and higher-risk credit requests.
• Ensure sound credit decisions through evaluation of repayment capacity, collateral adequacy, risk factors, loan structure, and risk mitigation strategies.
• Monitor portfolio performance, including credit quality, risk ratings, delinquency trends, adverse assets, and concentration risk.
• Identify, assess, and elevate emerging credit risks; provide portfolio risk reporting to senior leadership.
• Oversee stress testing, sensitivity analysis, and ongoing portfolio monitoring activities.
• Ensure compliance with AgCredit policies, FCA regulations, audit requirements, and credit administration standards.
• Support credit reviews, audits, examinations, and the development of credit policies, procedures, and underwriting guidelines.
• Partner with lending staff, the SAM Manager, and legal counsel to manage distressed assets, loan workouts, and borrower rights requirements.
• Lead, mentor, and develop Credit Analysts and other credit team members through coaching, training, and performance management.
• Serve as the Association's subject matter expert on credit analysis, underwriting, industry trends, and risk management practices.
• Participate on the Association Loan Committee and Risk Management Committee, providing independent credit perspective and governance oversight.
• Review loan packages for completeness, accuracy, policy compliance, and appropriate risk identification.
• Drive continuous improvement of credit processes, systems, and operational efficiencies across the Association.
• Serve as a liaison between Credit Administration, lending teams, and support functions to promote consistency and collaboration.
• Maintain knowledge of agricultural markets, commodity trends, and economic conditions impacting borrowers and portfolio performance.
• Demonstrate AgCredit's Core Values and Core Competencies while completing required training and supporting organizational initiatives.
• Perform other duties as…