Credit Analyst at Farm Credit Bank of Texas in Lakeland, FL

CREDIT ANALYST Location: Lakeland, FL, United States 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, as well as the environmental and economic benefits of horticulture. 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 careers 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. Farm Credit of Central Florida supports rural communities and agriculture in 13 central Florida counties including, Polk, Citrus, Pinellas, Pasco, Hernando, Hillsborough, Lake, Sumter, Osceola, Orange, Seminole, Volusia and Brevard. Part of the nationwide Farm Credit System, the association loans funds for agricultural purposes, makes residential loans, and sells crop insurance. Over 1,200 borrowers have chosen Farm Credit of Central Florida as their lender of choice. Farm Credit of Central Florida provides over $1 billion in originated loans and other financial services to its member-borrowers. Farm Credit of Central Florida, a leading agribusiness lender seeks a Credit Analyst for our headquarters in Lakeland, Florida. This position works under the guidance of the Chief Credit Officer and Credit Analyst Manager, on transactions and relationships exhibiting varying levels of complexity, and may occasionally work on middle market and capital market requests. Specifically, this role will: •    Analyze and evaluate financial statements and other related material for new loan requests in accordance with all policies, procedures, and regulations. •    Perform timely review of servicing requests as needed. •    Communicate as needed with loan officers and approvers to obtain additional information necessary for underwriting and/or provide status updates. •    Prepare credit packages for presentation to the appropriate approval level, including formal presentations to loan committee.  Credit packages will contain professional written narrative of the proposed transaction, evaluate the 5 Cs of Credit, assign a supportable risk rating, and adequately justify any exceptions to credit policy. •    Potentially be assigned credit approval authority upon demonstrating proficiency in credit, regulatory, and internal practices and requirements. •    Monitor and service accounts for compliance with loan and financial covenants within assigned relationships. •    Demonstrate the ability to apply sound judgement and decision-making capabilities. •    Attain a working knowledge of Farm Credit loan operating systems and develop an understanding of all company policies and procedures related to credit analysis, loan servicing, and risk management. •    Ensure internal controls are adhered to in accordance with policies and procedures. •    Act as a self-starter and to complete assignments with relative independence, in an accurate and timely manner. •    Manage multiple assignments at once.   MINIMUM REQUIREMENTS •     Bachelor’s degree in finance, accounting, or economics, or equivalent experience •     Minimum 3 years of credit of financial analysis experience •     Robust understanding of personal and business financial statements, 5Cs of Credit, loan structures, and GAAP •     Proficient in Microsoft Excel •     Excellent written and verbal communication skills •     Ability to work in a fast-paced environment both independently and as part of a team •     Must adhere to farm Credit of Central Florida’s mission and core values.   This role will be considered for a hybrid work schedule, with up to 2 days per week remote, after the incumbent achieves a high level of independence and productivity on assigned work.     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.