Credit Analyst II

Employing Unit: Colonial Farm Credit
Position Title: 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 (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 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