Credit Analyst II

Employing Unit: Colonial Farm Credit
Position Title: 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

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

•    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

Education and Experience:

Required: 

•    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)

Preferred (and beneficial to successful applicant):

•    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

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