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Farm Credit Jobs (NOW HIRING)

Horizon Farm Credit

Corporate Loan Officer

Butler, PA · On-site

Join Horizon Farm Credit as a Corporate Loan Officer , where you will apply deep financial expertise, strategic judgment, and industry insight to lead complex lending relationships and drive ...

Horizon Farm Credit

Agribusiness Credit Analyst

Dover, DE · On-site

$79K/yr

Horizon Farm Credit is actively recruiting for an experienced Agribusiness Credit Analyst to join our team. Qualified candidate may work in the Frederick, Dover, Georgetown, Mechanicsburg, Mount Joy ...

Horizon Farm Credit

Corporate Loan Officer

Butler, PA · Hybrid

Join Horizon Farm Credit as a Corporate Loan Officer , where you will apply deep financial expertise, strategic judgment, and industry insight to lead complex lending relationships and drive ...

AgHires

Credit Analyst

Lakeland, FL · On-site

$60 - $80/hr

As a Farm Credit team member, you will be a part of a cooperative that helps Florida farmers and ranchers with the necessary funding to provide the world with a stable, healthy, and sustainable food ...

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How much do farm credit jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for farm credit in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 per hour, depending on experience, location, and employer.

What is Farm Credit?

Farm Credit refers to a nationwide network of borrower-owned lending institutions and specialized service organizations that provide loans, leases, and financial services to farmers, ranchers, agricultural cooperatives, and rural businesses in the United States. Established in 1916, the Farm Credit System's mission is to support rural communities and agriculture by ensuring reliable access to credit. These institutions are cooperatives, meaning they are owned and governed by their borrowers, which helps ensure that lending practices meet the specific needs of the agricultural sector.

What are the key skills and qualifications needed to thrive in Farm Credit, and why are they important?

To excel in Farm Credit, you need a solid background in finance, agricultural economics, or business, often supported by a relevant degree or experience in agribusiness lending. Familiarity with loan origination systems, risk assessment tools, and financial analysis software is commonly required. Strong relationship-building, communication, and problem-solving skills help professionals connect with clients and navigate complex lending scenarios. These competencies are essential to provide effective financial solutions to agricultural clients and ensure sound lending decisions.

What are some common challenges faced by professionals working in Farm Credit, and how can they be addressed?

Professionals in Farm Credit often encounter challenges such as managing lending risks due to fluctuating agricultural markets, weather unpredictability, and changing regulations. Building strong relationships with clients and staying informed on industry trends are crucial for making sound lending decisions. Many teams operate in collaborative environments, working closely with credit analysts, loan officers, and agricultural experts to assess and support borrowers. Training and mentorship programs are commonly available to help newcomers navigate these complexities and advance within the organization.

What is the difference between Farm Credit vs Loan Officer?

AspectFarm CreditLoan Officer
CredentialsTypically requires a bachelor's degree in finance, agriculture, or related fields; certifications varyRequires a bachelor's degree; certifications like Mortgage Loan Originator (MLO) may be preferred
Work EnvironmentPrimarily rural/agricultural settings, cooperative or financial institutionsBanking or lending institutions, both rural and urban
Employer & IndustryCooperative financial institutions serving agricultural communitiesBanks, credit unions, lending companies
Common Search/ComparisonFarm Credit vs Loan Officer

Farm Credit professionals focus on providing financial services specifically tailored to agricultural clients, often working within cooperative or specialized financial institutions. Loan Officers have a broader role in evaluating and approving various types of loans across different industries, including agriculture. While both roles involve lending, Farm Credit roles are more specialized in rural and agricultural finance, whereas Loan Officers work in diverse banking environments.

More about Farm Credit jobs

What cities are hiring for Farm Credit jobs?

Cities with the most Farm Credit job openings:

What states have the most Farm Credit jobs?

States with the most job openings for Farm Credit jobs include:

What job categories do people searching Farm Credit jobs look for?

The top searched job categories for Farm Credit jobs are:

Farm Credit jobs near you
Infographic showing various Farm Credit job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.

Credit Analyst

Farm Credit of Central Florida

Lakeland, FL • On-site

Full-time

Retirement, PTO

Re-posted 5 hours ago

Job description


Credit Analyst
Lakeland, Florida (Hybrid Opportunity Available)
Make a Difference While Building Your Credit Career
Are you a credit professional who enjoys analyzing complex financial transactions, guiding lending decisions, and helping businesses succeed? Farm Credit of Central Florida offers a unique opportunity to make a meaningful impact while supporting Florida's agricultural producers, rural communities, and local economies.
As part of the nationwide Farm Credit System, we provide financing and financial services that help sustain a stable, healthy, and sustainable food supply while supporting the growth of agriculture and rural America. With more than $1 billion in originated loans and other financial services and over 1,200 member-borrowers, Farm Credit of Central Florida is a trusted financial partner throughout the region.
We serve 13 Central Florida counties, including Polk, Citrus, Pinellas, Pasco, Hernando, Hillsborough, Lake, Sumter, Osceola, Orange, Seminole, Volusia, and Brevard.
We are seeking an experienced Credit Analyst to join our team at our headquarters in Lakeland, Florida. In this role, you will work closely with Credit and Lending leadership to evaluate new lending opportunities, support portfolio management, and provide sound credit recommendations across a diverse loan portfolio. This position offers exposure to agricultural, commercial, residential, and occasionally middle-market lending opportunities, making it an excellent opportunity for a motivated analyst looking to expand their credit expertise and advance their career.
Why Join Farm Credit of Central Florida?
  • Meaningful work supporting Florida agriculture and rural communities
  • Exposure to a diverse portfolio and a wide variety of lending relationships
  • Opportunity to work directly with experienced lending professionals and senior leadership
  • Career development through increasingly complex credit assignments
  • Stable, mission-driven organization backed by the nationwide Farm Credit System
  • Hybrid work flexibility following successful onboarding and demonstrated proficiency

What You'll Do
Credit Analysis & Underwriting
  • Analyze financial statements, tax returns, cash flow, collateral, and other financial information to evaluate creditworthiness and repayment capacity.
  • Underwrite new loan requests in accordance with regulatory requirements, internal policy, and sound credit principles.
  • Assess borrower and transaction strengths, risks, and mitigants utilizing the 5 Cs of Credit framework.
  • Assign appropriate risk ratings supported by thorough qualitative analysis and sound judgment.

Credit Recommendations & Decision Support
  • Develop comprehensive credit presentations and recommendations for management, loan committees, and approval authorities.
  • Clearly communicate transaction structure, risk assessment, policy exceptions, and supporting rationale.
  • Partner with loan officers and decision-makers to obtain information necessary for timely credit decisions.
  • Present complex transactions professionally and confidently to internal stakeholders.

Portfolio Management & Risk Monitoring
  • Monitor assigned relationships for compliance with financial and loan covenants.
  • Review servicing requests, financial reporting, and other portfolio activities in a timely manner.
  • Identify emerging credit trends and potential risk concerns and communicate findings appropriately.
  • Support effective portfolio risk management while maintaining strong customer service standards.

Professional Development
  • Develop a strong working knowledge of Farm Credit lending systems, policies, procedures, and risk management practices.
  • Demonstrate sound judgment, analytical thinking, and independent decision-making capabilities.
  • Build toward delegated credit approval authority through demonstrated expertise and performance.
  • Assist with special projects and increasingly complex lending relationships as experience grows.

Qualifications
Required
  • Bachelor's degree in Finance, Accounting, Economics, or a related field, or an equivalent combination of education and experience.
  • Minimum of three (3) years of credit analysis, underwriting, financial analysis, or related banking experience.
  • Strong understanding of:
    • Business and personal financial statement analysis
    • Cash flow analysis
    • Loan structures and underwriting principles
    • The 5 Cs of Credit
    • Generally Accepted Accounting Principles (GAAP)
  • Proficiency in Microsoft Excel and other business technology applications.
  • Excellent written, verbal, and presentation communication skills.
  • Strong organizational and time-management skills with the ability to manage multiple priorities.
  • Ability to work both independently and collaboratively in a fast-paced environment.
  • Commitment to Farm Credit of Central Florida's mission, values, and culture.

Preferred
  • Knowledge of covenant monitoring and portfolio management practices.
  • Advanced Excel skills.
  • Experience presenting credit recommendations to committees or approval authorities.
  • Knowledge of agriculture or farm management practices a plus.

Work Arrangement
This position is based in Lakeland, Florida. Following successful onboarding and demonstrated proficiency, employees may be eligible for a hybrid work arrangement of up to two remote workdays per week.
Build a Career with Purpose
Whether your background is in banking, commercial credit, accounting, finance, or agriculture, Farm Credit of Central Florida offers the opportunity to grow professionally while supporting an industry that sustains our communities. Join a team where your analytical skills, judgment, and contributions truly make a difference.
About Us
Thank you for your interest in Farm Credit of Central Florida. Are you ready for a career that will make a difference? As a Farm Credit team member, you will be a part of a cooperative that helps Florida farmers and ranchers with the necessary funding to provide the world with a stable, healthy, and sustainable food supply. We recognize the vitality of Florida agriculture and take pride in serving as a resource to rural America. To ensure the continuity of this resource, it takes a staff with a diverse array of expertise. Our employees come from all walks of life, all around the world. Many of our employees started their career with no agricultural background, while others are deeply rooted in the industry. Regardless of where your career has taken you, Farm Credit of Central Florida will provide you with the opportunities, tools, and resources to take you to where you want to go.
Why work for Farm Credit of Central Florida?
  • Meaningful career
  • Competitive compensation with paid time off, holidays, and volunteer time
  • Performance based incentive plan
  • Excellent benefits program
  • Generous 401(k) matching contributions, as well as additional employer contributions.
  • Training and development opportunities
  • Advancement opportunity through internal postings
  • Salary commensurate with experience
  • Education reimbursement for approved higher education pursuits.
  • A wellness program for employees, which includes gym reimbursement and resources for a healthier lifestyle.
  • Equal Opportunity Employer including veterans and individuals with disabilities.

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