Credit Officer Trainee/Credit Officer

MAJOR RESPONSIBILITIES AND DESIRED QUALIFICATIONS:  This position will analyze and provide written recommendations for credit decisions based on financial information and projections.  The credit officer role is also known as a Credit Analyst or Credit Underwriter at other lending institutions. 
Reviews basic and complex loan requests to ensure applicant, loan purpose and collateral eligibility meet Association requirementsAnalyzes balance sheets, tax returns, repayment worksheets and credit bureau information by:o   Performing projections based on financial statements, historical data and agricultural trends to determine long-term profitability
o   Determining if applicant's financial ratios meet Association standards
Writes a narrative to explain overall financial position and credit worthiness of an applicantParticipates in Loan Committee by observing discussions and voting on loansApproves or denies loan application based on Association standards and credit authorityReviews loan documentation files to ensure compliance with Association standards and FCA regulationsREQUIRED KNOWLEDGE AND EXPERIENCE:        Bachelor's degree in business administration, agricultural economics, accounting, economics, finance or related field required. Minimum two years' experience preferred in a credit related function and strong agricultural background. Successful candidates must be highly motivated with strong communication skills both written and verbal.  Other strong skills required are interpersonal relationship skills, analytical skills and the ability to work individually and as a team player.
SEND RESUME OR APPLICATION TO: Attn:  Katie Edmison – Credit Officer                                              
AgHeritage Farm Credit Services                                                        
119 East Third St. Suite 200
Little Rock, AR 72201
Job Link: https://agheritagefcs.bamboohr.com/careers/77
EEO/AA/M/F/V/D – No Agencies Please