Hybrid Credit Analyst II at Horizon Farm Credit

Join Us in Strengthening Rural America — Credit Analyst Opportunity in Lexington, KY

Do you have a deep appreciation for agriculture? Are you passionate about supporting your local community and making a meaningful impact in rural America? Do you thrive on helping others—whether at work or in your neighborhood?

If so, Central Kentucky Ag Credit invites you to explore an exciting opportunity to join our lending team as a Credit Analyst in Lexington, Kentucky.

This is a full-time, on-site position. Daily presence at our Lexington office is a key part of our collaborative culture, so please consider commute distance when applying.

What You’ll Do

As a Credit Analyst, you’ll play a vital role in evaluating financial health and risk for large, complex loans. You’ll help structure loans that meet individual customer needs while protecting the integrity of the Association. This role offers the chance to grow professionally while supporting the dreams of farmers, ranchers, and rural entrepreneurs.

You will - 

• Conduct thorough credit analysis, documentation, and risk identification for loan committee submissions 
• Recommend loan terms, rates, security, and controls to ensure sound credit decisions 
• Stay informed on industry trends—returns, investments, yields, and more 
• Collaborate with lenders to support customer outreach and marketing efforts 

What We’re Looking For

We’re seeking candidates who bring both expertise and heart to the table. Ideal qualifications include:

• Bachelor’s degree in business, economics, finance, accounting, or a related field 
• Experience in credit analysis and financial evaluation 
• Familiarity with tax returns and business structures (sole proprietorships, LLCs, LLPs, C-Corps, S-Corps, etc.) 
• Agricultural knowledge is a strong plus 

Growth & Development

We believe in lifelong learning. That’s why we offer tuition reimbursement and a paid development to help you build the financial and customer service skills needed to thrive in your role.

Our Commitment to You

We invest in our employees with a comprehensive benefits package designed to support your well-being and work-life balance:

Our Culture

At Central Kentucky Ag Credit, we value:

• Self-Starters – Innovators who seek continuous improvement 
• Respect – Fairness, diversity, and community-mindedness 
• Self-Management – Autonomy to set priorities and goals 
• Voice – Open communication and active listening 
• Dependability – Integrity and reliability 
• Lifelong Learning – A shared commitment to growth 

About Us

Central Kentucky Ag Credit is part of the Farm Credit System, the largest agricultural credit provider in the U.S. With over 100 years of experience, we’re proud to be a cooperative lender—owned and governed by the farmers and rural residents we serve.

Learn more about our mission and culture:

• [Website](https://www.agcreditonline.com) 
• [Podcast: Beyond Agriculture](https://www.agcreditonline.com/podcast) 
• [Social Media: Facebook | Twitter | Instagram](https://www.agcreditonline.com/social)

Ready to make a difference in rural America? Apply today and help us build a stronger future—one loan, one customer, one community at a time.

Company