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Now Hiring a Commercial Credit Analyst

The Commercial Credit Analyst develops and analyzes credit information and independently prepares complete credit packages for assigned credits in accordance with the Association's underwriting standards, credit philosophies, policies and procedures. This role completes all loan documentation, including projections and analyses, and makes clear, wellsupported recommendations for loan actions, controls, and structures tailored to individual loan packages while effectively managing risk to the Association. Position location is Alachua, FL.

Responsibilities:

• Works independently to complete credit analyses with appropriate documentation and credit risk identification on assigned credits.
• Ensures analysis clearly and concisely explains the credit request, analyzes the financial information with strengths and weaknesses, evaluates compliance with underwriting standards and makes recommendations with regard to constructive terms, controls and financial covenants.
• Demonstrates use of differential analysis in determining documentation requirements and developing Loan Analysis Summaries. 
• Ensures timely credit package preparation and completion, considering loan complexity, within a reasonable timeframe and according to production goals.    
• Effectively communicates with Loan Officers and Borrowers to expedite completion of the credit analysis.
• Ensures Borrower Rights compliance is maintained when appropriate. 
• Maintains a satisfactory Credit Administration rating on loans assigned for underwriting/restructure.
• Identifies Probability of Default (PD) and Loss Given Default (LGD) ratings accurately.  

To qualify for this position, candidates should possess the following:

Education: Bachelor's degree in Business Administration, Agriculture, Economics or Finance or related field or equivalent work experience. Farm Credit experience, is a plus.

Experience: One (1) to Six (6) years of agricultural/commercial credit analysis experience or related experience. 

Other Skills & Abilities:

• Strong analytical and attention to detail skills.
• Ability to use discretionary judgment in making sound decisions and solving problems.
• Ability to work independently.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the Association and borrower.
• Ability to manage competing demands; excellent organization skills.

 Farm Credit of Florida is an Affirmative Action/Equal Opportunity employer, including veterans and individuals with disabilities. Drug free workplace.