Credit Analyst II

Salary: $62,500-$76,900
commensurate with experience and qualifications plus superb benefits package provided to all employees including up to 9% 401k contributions and profit sharing program

Colonial Farm Credit (  ) is an agricultural credit cooperative and provides loans for:

• Production capital for full-time and part-time farmers
• Ag-related businesses
• Farms and country homes
• Land purchases, home construction, and improvements
• Buildings, machinery, livestock, and equipment

We have an excellent employment opportunity for a Credit Analyst II in our Mechanicsville VA office. The candidate will be responsible for:

• Gathering, analyzing, and reconciling credit and financial data for loans using the five credit factors under the guidelines of differential analysis
• Preparing all loan documents associated with the analysis of the assigned credit including loan agreements when necessary and drafting loan analyses explaining loan purpose, structure, risk, controls, etc.
• Making recommendations on which the delegated authority will base its decision for loan approval
• Making recommendations of rates, terms, security, and loan controls that are necessary for maintaining an acceptable credit risk
• Developing loan-servicing plans for monitoring credit

• Bachelor’s degree in agricultural economics, finance, business administration, economics or relevant field of study
• Moderate to advanced understanding of farm business management, finance, and macroeconomics
• Strong analysis, judgment, communication (oral and written), and organizational skills
• Computer experience with intermediate to advanced skills in Microsoft Outlook, Word, and Excel to carry out the essential responsibilities of this position
• In-depth knowledge and skill in risk analysis, loan administration, and loan servicing
• Ability to:
  • o Independently understand and interpret financial statements and cash flow analysis
  • o work under limited supervision and in compliance with established policies, procedures and regulations
  • o be assertive and decisive in arriving at sound business decisions
  • o effectively handle multiple tasks and work independently
  • o work in a collaborative, team atmosphere
  • o exercise discretion, independent judgment, initiative, and creativity
• Acceptable background reports (credit, criminal, driving, and drug)

• Four to five years of experience gained through credit related positions
• Strong awareness of current economic developments and production technology affecting agriculture in the region
• Strong knowledge of farm production methods and products

Applications Accepted Through: Tuesday, October 20, 2026