Credit Officer Retail Credit Underwriting

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

Schedule: Full Time, Hybrid 
Travel Required: 0% - 25% 

Compensation: The salary range for this position is estimated to be $60,265.00 – $125,909.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget. The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

• Medical, dental, and vision insurance 
  
• Well-being and fitness reimbursement programs 
  
• Paid vacation, sick leave, and holidays 
  
• 401(k) plan with company contributions and matching opportunities 
  
• Paid parental leave
  
• Short-term and long-term disability coverage 
  
• Tuition reimbursement and professional development programs 
  
• Community involvement and volunteer opportunities 
  
• Variable compensation opportunities for eligible positions

About Our Opportunity

The Credit Officer Retail Credit Underwriting serves the Association's Retail Agriculture (Retail Ag) initiative. They are primarily responsible for approving and recommending credit actions, analyzing loan applications, and working with Retail Ag representatives to meet the financial needs of our customers.

This role contributes independently to routine and recurring work with growing confidence and consistency. It applies established procedures, manages assigned responsibilities effectively, and collaborates with others to support business outcomes. Team members at this level are expanding functional knowledge, strengthening judgment, and developing problem-solving skills within defined parameters.

How You Will Spend Your Time

• Partners with sales staff and customers to understand financial goals, credit strengths and risks, and deliver value added, consultative lending solutions aligned with the Association’s objectives and risk profile.
• Analyzes, approves, and recommends loan decisions with timely turnaround, exercising delegated authority and providing clear rationale on loan structure, terms, and conditions.
• Ensures strong credit quality and risk management through ongoing credit analysis, trend identification, and sound credit administration practices.
• Maintains and applies subject matter expertise in agriculture, credit, finance, technology, and government lending programs to support effective credit decisions.
• Serves as a credit resource by, facilitating cross training sessions, and communicating credit concepts effectively to both internal teams and broader audiences.
• Completes routine assignments independently using established procedures and sound judgment.
• Applies working knowledge to resolve common issues and identifies when to seek guidance.
• Communicates clearly with teammates and internal partners to support coordinated work.
• Organizes workload to meet deadlines and deliver consistent, reliable outcomes.
• Contributes ideas that strengthen processes, accuracy, and effectiveness.
• Uses available tools and resources to resolve straightforward issues and improve confidence.

Education & Experience

• High School Diploma/GED with 5 years relevant experience required.
• Bachelor's Degree with 1 year relevant experience preferred. 
• Agriculture experience preferred. 
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Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits .

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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