Salary: 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 (www.colonialfarmcredit.com) is an agricultural credit cooperative and provides loans for:
Production capital for full-time and part-time farmers
The Forest products industry
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 in our Commercial Loan Group. The candidate will be responsible for:
gathering, analyzing, and reconciling credit and financial data for all types of commercial credits (mid-size, large, and complex forest products industry and agricultural 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
Education and Experience:
Required:
Bachelor's degree in agricultural economics, finance, business administration, or economics
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 limited supervision and in compliance with established policies, procedures and regulations
be assertive and decisive in arriving at sound business decisions
effectively handle multiple tasks and work independently
work in a team atmosphere
exercise discretion, independent judgment, initiative, and creativity
Acceptable background reports (credit, criminal, driving, and drug)
Preferred (and beneficial to successful applicant):
Three (3) years or more of employment experience gained through credit positions
Awareness of current economic developments and production technology affecting agriculture and the forest products industry in the region
Knowledge of farm and/or forest products industry production methods and products
Location: Administrative Office, 7104 Mechanicsville Turnpike, Mechanicsville VA 23111 (negotiable; any Association office within close proximity to successful candidate's residence and based on space availability within other offices)
