Senior Credit Analyst

Position Summary:

Join a team focused on the success of our customers, the success of our communities, and the success of each other. Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest product, fishing, and other agricultural business owners across the northeast with $13.5 billion in total loan volume and $29 million in annual financial services revenue from 18,000 customers across our 8-state territory. We are One Team Working Together with a focus on our five pillars: Outstanding Customer and Employee Experience, Quality Growth, Operational Excellence, Commitment to our Communities, and Protecting Customer Information.

 

The Senior Credit Analyst is a trusted credit professional responsible for independently underwriting, structuring, and recommending moderate  to high complexity credit relationships. This role plays a critical part in balancing portfolio risk and growth by exercising sound credit judgment, influencing deal structure, and partnering closely with relationship managers and leadership. In addition to underwriting responsibilities, the Senior Credit Analyst serves as a subject matter resource for credit policy, financial analysis, and best practices across the credit delivery process. 

 

The value drivers for this role are as follows:

• Create operational efficiency by independently analyzing complex credit requests, assessing risk, and delivering well reasoned credit recommendations
• Fuels organizational consistency through strong credit judgment, clear communication, and adherence to sound underwriting standards
• Protects the Association by ensuring high quality credit decisions while supporting sustainable portfolio growth

 

Come join a collaborative, customer-focused team at Farm Credit East!

 

Duties and Responsibilities:

Credit Analysis & Underwriting

• Independently underwrites and structures moderate  to high complexity credit relationships, including larger exposures and multi entity borrowers, providing clear, defensible credit recommendations.
• Applies strong judgment in evaluating risk, identifying mitigating factors, and recommending appropriate credit terms, conditions, and structures.
• Interprets and applies credit policy to both standard and non standard transactions; prepares and supports policy exceptions when appropriate, ensuring proper documentation and approvals.
• Ensures credit classifications, risk ratings, and all related financial information are accurate, current, and aligned with portfolio risk expectations.
• Delivers timely, high quality underwriting using approved lending systems and tools across all assigned levels of loan complexity.
• Serves as a credit resource for lenders and analysts by providing guidance on financial analysis, credit structuring, and policy interpretation.
• Reviews and provides constructive feedback on analyses prepared by less experienced analysts to support quality, consistency, and professional development. 

Business Development

• Assesses borrower financial information for opportunities to deepen relationships, including new lending, consolidations, crop insurance, recordkeeping, and tax preparation services.
• Contributes to positive customer and public relationships by communicating credit decisions clearly and professionally while promoting the Association’s values and reputation. 

 

Job Qualifications and Requirements:

• This position requires an associate or bachelor’s degree in Agriculture, Agri-Business, Economics, Finance, Business or a related field. 
• Five or more years of credit analysis and underwriting experience, with demonstrated responsibility for independently underwriting and recommending complex credit relationships.
• Strong working knowledge of credit policy, financial analysis, risk rating methodologies, and loan structuring principles. 
• We offer hybrid work options after two weeks of employment with Farm Credit East. Hybrid work options are determined based on job role and balancing the needs of the customers, the team, and indiv