Credit Analyst en Horizon Farm Credit

Employing Unit: Colonial Farm Credit

Position Title: Credit Analyst 

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
•    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 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
•    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:
     o    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 team atmosphere 
     o    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 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: Friday, November 21, 2025

EOE/D/V