Credit Analyst

Credit Analyst - office choice of Fayetteville, Greenville, Raleigh, or Elizabeth City
The right person for the job will be able to work independently to analyze, understand, and make recommendations on credit packages submitted by loan officers. This job requires an ability to interpret what the numbers mean on a more granular level. You should be able to clearly communicate and support your recommendations to senior staff members and peers. You should enjoy the challenge of collaborating with co-workers in a work culture that welcomes and respects strong analytical skills, attention to detail, timely decision making, and candid conversations.

If you are:
- a skilled credit analyst, with great analytical skills
- take initiative, own your work, and are a quick learner
- are self-motivated and adaptable to a dynamic work environment
- have strong interpersonal skills and ability to work with all levels of the organization
- understand and appreciate agriculture and rural communities
- are looking for the excitement of being part of the solution to agricultural financing, which benefits both our state and our nation
- want more excitement, challenges, and rewards for your efforts
- want to be part of a dynamic team and company, with a great work culture

then you might be the person we are looking for!

The Credit Analyst will contribute our business objective of "Serving Our Members & Rural Communities." This position would report to the Credit Analyst Team Lead.

**Internal applicants must be in current position for at least 12 months before applying.

How you will impact AgCarolina Farm Credit:
- Perform credit analysis to identify financial strengths and weaknesses and make recommendations on credit packages
- Develop and analyze all types of credit information
- Prepare complete loan packages independently, complete all documents, including projections, and prepare analysis
- Evaluate the risk in loan transactions and make the appropriate recommendation
- Perform account monitoring on assigned accounts
- Ensure all files are maintained in a secure environment to protect borrowers' data
- Participate in training as scheduled by the supervisor
- Invest in ongoing learning and development opportunities to both grow the individual and the Association

What you need to succeed:
- Bachelor's degree in business, finance, accounting or agricultural economics or related fields, with credit analysis work experience, preferred
- Self-starter with strong analytical, judgment, and communication (oral and written) skills
- Ability to be assertive and decisive in arriving at sound business decisions that serve the best interest of the Association and the borrower
- Capability to handle high stress situations in both a business and professional manner
- Full understanding of 5 C's of credit, preferred: capacity, capital, conditions, character, and collateral
- Proficiency in Windows and Microsoft 365 products including intermediate skills in Microsoft Word, Microsoft Excel, and PowerPoint
- Work independently under general supervision
- Foster and promote a team atmosphere
- Must be a quick learner who takes ownership over their knowledge and continuous de velopment
- Must be adaptable, highly organized, and capable of prioritizing multiple tasks to meet deadlines and expectations

What we offer:
- Competitive pay, including eligibility for incentive pay
- Comprehensive benefits (medical, dental, life, LTD, and others)
- Company-matched 401(k) (100% match of the first 6% you defer)
- Commitment to training and professional development
- Meaningful work that allows one to make a difference in agricultural and rural communities.
- Opportunities for work-life balance
- A great work environment with colleagues who have a shared commitment to our core values

Interview Process:
Applications received within the first 2 weeks of posting date will receive priority consideration. The position will remain open, however, until the vacancy is filled.
1. Phone Screen with AgCarolina HR Representative
2. In-person interview