Job Description
Senior Credit Analyst
AgCarolina has an open position for a Senior Credit Analyst. In this role, the Senior Credit Analyst will work independently to analyze credit information and develop strong working relationships with the lending staff. The Senior Credit Analyst will contribute our business objective of "Serving Our Members & Rural Communities" by working closely with loan officers to structure, condition, present, and approve credit for our borrowers. This position would report to the Credit Analyst Team Lead.
Locations include Greenville, Raleigh, Fayetteville, or Elizabeth City
How you will impact AgCarolina Farm Credit:

• Perform credit analysis to identify financial strengths and weaknesses and make recommendations on complex credits and multi-entity consolidations
• 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

What you need to succeed:

• Bachelor's degree in business, finance, accounting or agricultural economics or related fields
• 5 years of credit analysis work experience
• Self-starter with strong analytical, judgement, 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: capacity, capital, conditions, character, and collateral
• Computer experience with intermediate skills in Windows, Microsoft Word, Microsoft Excel, and PowerPoint
• Quick learner, strong problem solver, and adaptable
• Work independently under general supervision
• Foster and promote a team atmosphere
• General knowledge of computers and Microsoft Office

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

It is the policy of AgCarolina to provide equal employment opportunities without regard to race, color, religion, sex, pregnancy, childbirth or related conditions, national origin, age, disability, marital status, veteran status, sexual orientation, genetic information, or any other protected characteristic under applicable law.
About Us
Headquartered in Greenville, North Carolina, AgCarolina Farm Credit offers career opportunities throughout Eastern North Carolina. We service the needs of part-time and full-time farmers, as well as the mortgage credit needs of rural homeowners. Federally chartered and a part of the national Farm Credit System, we are locally owned by our members. As we work together, we can help you achieve your goals and dreams, while strengthening our communities.
AgCarolina Farm Credit is the largest ag lending cooperative operating in North Carolina with a local presence throughout the territory. The Association has approximately $3.1 billion in gross loan volume, serving more than 6,000 members.
Our purpose at AgCarolina Farm Credit (ACA) is to serve the agricultural industry and our rural communities, yielding a more prosperous future for all. We are committed to providing constructive credit and financial services to grow the success of our members, one local relationship at a time.
We believe that an inclusive team of employees is the best way to serve our agricultural and agribusiness customers. Consistent with our core value of welcoming diversity, equity, and inclusion, we seek to involve all employees, our management team, and our board in fostering an environment that encourages and acknowledges the positive contributions individuals from all backgrounds can make in the success of our organization. By embracing and leveraging our unique strengths we establish ourselves as a positive corporate citizen and an employer of choice.
We are committed to attracting and developing an outstanding team of employees and supporting each one to achieve his or her full potential. Our success at AgCarolina GROWS by:

• G rowing our people and association
• R elationships built on respect, trust, and integrity
• O wning responsibility for our attitudes, actions, and job performance
• W elcoming diversity, equity, and inclusion
• S erving one another, members, and local communities