Credit Analyst

$57,200-$70,000
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 I 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
• General understanding of farm business management, finance, and macroeconomics
• Strong analysis, judgment, communication (oral and written), and organizational skills
• Computer experience with intermediate 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:
  • understand and interpret financial statements and cash flow analysis
  • work under moderate supervision and in compliance with established policies, procedures and regulations
  • use sound judgment within established guidelines and seeks guidance on complex requests
  • effectivel y handle multiple tasks and work independently
  • work in a collaborative, team atmosphere
  • exercise discretion, gain competency in independent judgment, develop initiative, and creativity in business decisions
• Acceptable background reports (credit, criminal, driving, and drug)

• Up to three years of experience gained through credit positions
• Awareness of current economic developments and production technology affecting agriculture in the region
• Knowledge of farm production methods and products

Wednesday, October 21, 2026