Credit Analyst - Greenville, Louisburg, Fayetteville, Raleigh, or Elizabeth City, NC
Are you passionate about supporting agriculture and rural communities? Do you thrive in a detail-driven environment where your analytical skills and financial insight make a real impact? If so, we want to hear from you!
As a Credit Analyst at AgCarolina Farm Credit, you'll play a key role in evaluating credit packages, supporting sound lending decisions, and contributing to the financial health of our Association. You'll work independently while collaborating with senior staff and loan officers, all within a culture that values mentorship, candid conversations, attention to detail, and timely decision-making-in service of agriculture and rural communities.
What You'll Do:
Analyze financial data to assess creditworthiness and identify strengths and weaknesses in complex credit packages (typically $2.5M+)
Prepare complete loan packages, including projections and documentation, independently
Evaluate risk in loan transactions and recommend appropriate actions
Perform account monitoring and ensure borrower data is securely maintained
Collaborate with Agribusiness loan officers and senior staff to support lending decisions
Participate in training and professional development as scheduled
Communicate recommendations clearly and confidently to peers and leadership
What We Value:
At AgCarolina, we believe in:
Customer Focus - Building strong relationships through responsiveness and professionalism
Collaboration - Working closely with your team and other departments to deliver exceptional service
Excellence - Bringing precision, organization, and integrity to everything you do
Growth - Enjoying opportunities for development, innovation, and meaningful contribution
What We're Looking For:
Bachelor's degree in business, finance, accounting, agricultural economics, or related field
0-2 years of credit analysis experience, or an equivalent combination of education and experience
Strong analytical, judgment, and communication (oral and written) skills
Ability to be assertive and decisive in making sound business decisions
Capability to handle high-stress situations professionally
Full understanding of the 5 C's of credit: Capacity, Capital, Conditions, Character, and Collateral
Intermediate computer skills in Microsoft Office (Word, Excel, PowerPoint) and Windows
Quick learner, adaptable, and strong problem solver
Ability to work independently under general supervision
Team-oriented mindset with a commitment to collaboration
Why Join Us?
If you're looking for:
Competitive pay, including eligibility for incentive pay
Comprehensive benefits (medical, dental, life, LTD, and others)
Maternity, Paternity, and Caregiving Leave
Company-matched 401(k) (100% match of the first 6% you defer)
Commitment to training and professional development
Meaningful work that allows you to make a difference in agricultural and rural communities
Opportunities for work-life balance
A great work environment with colleagues who share a commitment to our core values
AgCarolina Individual Competencies:
Communicates Effectively
Action-Oriented
Makes Good Decisions
Collaborates
Focuses on Our Members
Welcomes Everyone and Treats Them Fairly
Leadership
Internal candidates must have at least 2 years of Farm Credit experience, a Fully Successful rating or higher on their most recent performance review and have been in their current role for at least 2 years before applying.
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.
Phone Screen with AgCarolina HR Representative
In-person interview
Equal Opportunity Employer/including Disabled/Veterans. AgCarolina is unable to sponsor employment visas at this time.
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