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 ( ) 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: Tuesday, October 20, 2026


EOE/D/V