Credit Analyst Job Mechanicsville area,Virginia USA,Finance & Banking

Position: Credit Analyst I
Salary:

$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

Position Summary

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

Responsibilities

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

Required

Education and Experience:

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)

Preferred (and Beneficial To Successful Applicant)

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

Location:

Administrative Office, 7104 Mechanicsville Turnpike, Mechanicsville VA 23111

Supervisor:

Ronnie Gill, Chief Operating Officer

Applications Accepted Through:

Wednesday, October 21, 2026

EOE/D/V