Sr. Agricultural Underwriter

Sr. Agricultural Underwriter

Department: Agricultural & Commercial Lending
FLSA: Exempt
EEO: First/Mid-Level Officials and Managers
Salary Grade: 13
Salary Range: Min: $91,810.39 Mid: $114,762.98 Max:$137,715.5820
Reporting Structure: EVP / Chief Credit Officer

People Vision : At Sun, our people shine brightest. We create a culture of empathy, care, and connection that empowers brighter futures and supports well-being for all. Because when we care, lives change.

Position Purpose : Sun Community Federal Credit Union is in the people business. As a Sr. Ag underwriter you play a critical role in supporting responsible growth through thoughtful credit analysis and sound risk assessment.

In this role, you will independently evaluate agricultural and commercial credit requests, analyze financial and collateral information, and develop well-supported credit recommendations. You will partner closely with the EVP/Chief Credit Officer and key stakeholders to structure transactions, monitor portfolio performance, and ensure a strong, compliant lending environment.

Success in this role means delivering accurate, timely analysis, supporting strategic lending decisions, and helping drive a high-quality member and borrower experience.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

Credit Analysis & Underwriting

• Perform detailed, independent financial and collateral analysis for agricultural and commercial credit requests.
• Evaluate business plans, financial statements, projections, and operating performance.
• Assess collateral feasibility in relation to loan structure, market conditions, and industry trends.
• Develop clear, data-driven conclusions and recommendations.
• Support both new credit requests and ongoing portfolio reviews, including annual term reviews.
• Recommend appropriate credit structures in alignment with Credit Union policies.

Credit Documentation & Reporting

• Prepare clear, concise, and timely written credit authorizations with complete and accurate information.
• Analyze industry, commodity, and market trends to support lending decisions.
• Prepare financial reports and analysis including budgets, forecasts, cash flow projections, and business plans.

Portfolio Monitoring & Risk Management

• Monitor loan portfolio performance, including covenant compliance and delinquency trends.
• Complete annual reviews and maintain accurate documentation and contact logs.
• Identify risks associated with each loan and recommend appropriate mitigants.
• Assign and recommend risk ratings based on analysis.

Collaboration & Relationship Support

• Partner with the EVP/Chief Credit Officer to structure transactions and evaluate risk.
• Participate in Loan Committee discussions as needed.
• Collaborate with internal stakeholders to support efficient processing and a strong member experience.
• Participate in client calls and relationship discussions as assigned.
• Accompany Agricultural Relationship Managers on farm visits and evaluations, as needed.

Strategic & Operational Support

• Support growth initiatives related to agricultural and commercial lending products.
• Assist in the development and implementation of new products and vendor relationships.
• Conduct industry and market research to inform lending strategies.

Compliance & Regulatory Alignment

• Interpret and apply Credit Union policies, regulatory requirements, and accounting principles.
• Ensure all work aligns with applicable laws, regulations, and internal standards.

ERFORMANCE MEASUREMENTS

• Credit analysis and lending support are completed accurately, efficiently, and in alignment with Credit Union policies and regulatory requirements.
• Annual reviews, reports, and documentation are completed timely and with a high level of quality.
• Loan portfolio is effectively monitored, with risks appropriately identified and managed.
• Strong collaboration and working relationships are maintained across teams, leadership, and members.
• Member satisfaction is reflected through continued relationship growth and service quality.
• Internal and external audits (including NCUA) are completed with minimal findings.
• Ongoing compliance with all required training, policies, and business continuity standards.
• Adherence to all Anti-Money Laundering requirements, including BSA, OFAC, and USA PATRIOT Act.

POSITION REQUIREMENTS

Education and Experience

• Bachelor's degree in Business, Accounting, Economics, or a related field preferred.
• Minimum of 10 years of experience in financial analysis, accounting, or lending; or an equivalent combination of education and experience.
• Strong expertise in agricultural financial and collateral analysis, including complex credit structures.

Key Competencies:

• Credit & Financial Expertise: Demonstrates deep knowledge of agricultural and commercial lending, including financial statement analysis, collateral evaluation, and complex credit structuring.
• Risk Assessment & Decision Making: Identifies risk proactively, applies sound judgment, and develops well-supported recommendations that balance growth and risk.
• Analytical Thinking: Interprets complex financial data, industry trends, and market conditions to inform strategic lending decisions.
• Attention to Detail: Produces accurate, thorough, and high-quality analysis and documentation in a fast-paced environment.
• Collaboration & Partnership: Builds strong working relationships with leadership, relationship managers, and cross-functional teams to support efficient and effective lending processes.
• Communication: Clearly and confidently communicates financial insights, recommendations, and risk considerations to a variety of stakeholders.
• Business Acumen: Understands the broader agricultural and commercial lending landscape, including economic, commodity, and industry trends.
• Results Orientation: Delivers timely, high-quality work that supports lending goals, portfolio performance, and member experience.
• Integrity & Accountability: Demonstrates ethical decision-making, maintains confidentiality, and ensures compliance with all regulatory and organizational standards.
• Continuous Improvement: Identifies opportunities to improve processes, enhance efficiency, and strengthen the overall credit function.

Technical Skills

• Strong understanding of financial institution operations, products, and services.
• Knowledge of applicable regulations and compliance requirements within the financial services industry.
• Proficiency with business systems, reporting tools, and Microsoft Office applications.
• Ability to analyze financial data, forecasts, and performance metrics.

Working Conditions

• Work is performed in a standard branch office environment.
• No hazardous or significantly unpleasant working conditions are typically present.
• Position may require extended periods of sitting or standing while performing teller transactions and assisting members.
• Occasional travel may be required.

Intent and Function of Job Descriptions
Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well- constructed job descriptions are an integral part of any effective compensation system.


All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.


In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Sun Community Federal Credit Union is an Equal Opportunity Employer committed to creating a diverse and inclusive workplace. We encourage applications from all qualified candidates regardless of race, gender, age, religion, sexual orientation, or veteran status.