Credit analyst jobs in Virginia - 92 jobs

Trustar Bank is a community bank conceived to meet the banking needs of businesses and individuals in the greater metropolitan Washington DC area. The Organizers of the Bank are experienced bankers, bank investors, and business professionals in the Banks target market area. We are so proud to have just celebrated our 6th Anniversary and we are continuing to grow. Winners of the Washington Business Journals Best Places to Work five (5) years in a row, we want you to join this exciting, hard working team! At Trustar, our mission is to be your partner for financial success, to provide a sound investment for our shareholders, and to support our local community. Our unique approach to financial services and our can do attitude sets us apart from our competition. At Trustar, our philosophy is to provide customized banking solutions and top-notch service that truly addresses your individual needs. A viable market, sufficient capital, engaged leadership, and strong management are critical success factors for any financial institution. Service differentiates one bank from another. As a community bank, Trustar Banks strategy is to be a personalized alternative to larger, super-regional financial institutions that increasingly dominate the Banks primary market. Our mission statement emphasizes personal service, responsiveness, and a willingness to tailor products and services to meet the needs of our customers. Trustar Bank is currently seeking an experienced Credit Analyst that will primarily be responsible for independently gathering and analyzing business and financial records and other information and documents necessary to assess customer credit and risks in connection with primarily commercial loans. The analyst is also responsible for making determinations and recommendations on commercial credit decisions, credit risk, and loan approvals for loans. The analyst will follow all established policies and procedures for the Bank. Summary of Job Duties: * Participate in pre-credit discussions, analyze and assist in responding to initial credit requests. * Develop and perform information needs assessment and identify all documents and information necessary to conduct a thorough credit and risk review and analysis. * Underwriting: Review and analyze financial statements, tax returns, and other necessary business records, prepare projections, and perform sensitivity analyses. * Credit Decision: Conduct Credit, financial and industry analysis. * Structure loans or review and/or recommend structure, terms and pricing for primarily commercial loans. * Identify and evaluate risks and mitigates and make determination and recommendation of credit risk grade. * Monitor borrowing base/covenant compliance and approve advance requests on Line of Credit. * Partner with Loan officers to ensure that loan documentation and financial information is properly maintained and collected from customers. * Order and review property appraisals to properly evaluate collateral value for transactions under consideration. * Perform other duties as assigned. Requirements include: * Bachelor's Degree in business administration, finance, or related field * Minimum two to five (2-5) years of experience in both commercial and real estate credit analysis * Thorough understanding of financial accounting, loan structuring, legal, compliance and market risk related issues involved in the approval of credit. * Interpersonal skills * An ability to prioritize multiple tasks * An ability to work independently * Excellent written and verbal communication skills * Proficiency in MS Office (Word and Excel) Trustar Bank has grown rapidly since it's start in 2019. With an all-star team and fast-paced environment, this is an exciting opportunity to join the Credit and Lending Team. We also provide an outstanding benefits package to include a NO Deductible health care plan, a strong 401(k) with discretionary company match, LifeLock premier for all employees, and a generous PTO plan. We are an equal opportunity employer. Please note this is an in office position and a professional environment.

Job Description Trustar Bank is a community bank conceived to meet the banking needs of businesses and individuals in the greater metropolitan Washington DC area. The Organizers of the Bank are experienced bankers, bank investors, and business professionals in the Bank's target market area. We are so proud to have just celebrated our 6th Anniversary and we are continuing to grow. Winners of the Washington Business Journals Best Places to Work five (5) years in a row, we want you to join this exciting, hard working team! “At Trustar, our mission is to be your partner for financial success, to provide a sound investment for our shareholders, and to support our local community.” “Our unique approach to financial services and our ‘can do' attitude sets us apart from our competition. At Trustar, our philosophy is to provide customized banking solutions and top-notch service that truly addresses your individual needs.” A viable market, sufficient capital, engaged leadership, and strong management are critical success factors for any financial institution. Service differentiates one bank from another. As a community bank, Trustar Bank‘s strategy is to be a personalized alternative to larger, super-regional financial institutions that increasingly dominate the Bank's primary market. Our mission statement emphasizes personal service, responsiveness, and a willingness to tailor products and services to meet the needs of our customers. Trustar Bank is currently seeking an experienced Credit Analyst that will primarily be responsible for independently gathering and analyzing business and financial records and other information and documents necessary to assess customer credit and risks in connection with primarily commercial loans. The analyst is also responsible for making determinations and recommendations on commercial credit decisions, credit risk, and loan approvals for loans. The analyst will follow all established policies and procedures for the Bank. Summary of Job Duties: Participate in pre-credit discussions, analyze and assist in responding to initial credit requests. Develop and perform information needs assessment and identify all documents and information necessary to conduct a thorough credit and risk review and analysis. Underwriting: Review and analyze financial statements, tax returns, and other necessary business records, prepare projections, and perform sensitivity analyses. Credit Decision: Conduct Credit, financial and industry analysis. Structure loans or review and/or recommend structure, terms and pricing for primarily commercial loans. Identify and evaluate risks and mitigates and make determination and recommendation of credit risk grade. Monitor borrowing base/covenant compliance and approve advance requests on Line of Credit. Partner with Loan officers to ensure that loan documentation and financial information is properly maintained and collected from customers. Order and review property appraisals to properly evaluate collateral value for transactions under consideration. Perform other duties as assigned. Requirements include: Bachelor's Degree in business administration, finance, or related field Minimum two to five (2-5) years of experience in both commercial and real estate credit analysis Thorough understanding of financial accounting, loan structuring, legal, compliance and market risk related issues involved in the approval of credit. Interpersonal skills An ability to prioritize multiple tasks An ability to work independently Excellent written and verbal communication skills Proficiency in MS Office (Word and Excel) Trustar Bank has grown rapidly since it's start in 2019. With an all-star team and fast-paced environment, this is an exciting opportunity to join the Credit and Lending Team. We also provide an outstanding benefits package to include a NO Deductible health care plan, a strong 401(k) with discretionary company match, LifeLock premier for all employees, and a generous PTO plan. We are an equal opportunity employer. Please note this is an in office position and a professional environment.

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters. In this role you will: * Oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit. * Participate in credit approval process; monitors adherence to loan policy, ensures accuracy of risk rating system, ensures effective evaluation and administration of collateral. * Be responsible for the completion of financial spreads and analysis; credit approval and memo review for loan presentations in conjunction with Commercial Bankers, all in an independent and objective manner. * Maintain a continuing and informative record of data from which lending officers may make fully informed loan decisions. * Spread and analyze, historical and projected financial statements, tax returns, and other pertinent financial information to determine overall financial performance, condition, and creditworthiness of Borrower and other obligors. * Review credit files for documentation and exceptions. * Submit periodic exception reports. * Engage in effective and timely communication regarding credit considerations and issues with Credit Administration and Commercial Bankers. * In addition to handling the normal flow of transactions, may also be assigned to handle complex transactions. Requirements Required: * At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program * Bachelor's Degree in accounting or finance or related field from an accredited four-year college or university * Sound credit and analytical skills * Solid understanding of balance sheets, income, and cash flow statements * Proficiency with Microsoft Suite including Word and Excel Preferred: * Ability to learn internal bank systems and additional software applications * Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans within respective economic market areas * Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions John Marshall Bank is an Equal Opportunity Employer At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes: * Medical * Dental * 401K Retirement Plan w/ an Employer Match (4% match on 5% contributions - this is highly competitive compared to other organizations) * Vision * Employee Assistance Program * Flexible Spending * Transit Reimbursement * Dependent Day Care * Long Term Care * Paid Time Off * Life and Disability Coverage At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.

Requirements What will you need? Bachelor's degree in business administration, accounting or other related field of study preferred. Five (5) years of relevant experience in underwriting loans or in reviewing or producing loan documentation for commercial or small business credit requests or an appropriate combination of education and closely work related experience Ability to accurately perform mathematical calculations including but not limited to ratios and percentages Reads, analyzes, and interprets industry information, financial statements, tax returns and other documents and reports relevant to credit and trend analysis Recognizes need for action, defines problems, collects data, establishes facts, and draws valid conclusions, proposes viable solutions Basic knowledge of relevant banking regulations and operational policies and procedures preferred Possesses strong interpersonal, verbal and written communication skills with ability to understand and carry out instructions, speak clearly and make effective presentations to peers, management and committees Proficient in the use of Microsoft Office products, bank information systems, internet research and other PC-based applications. Physical/Environmental Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions The environment is typical of an office atmosphere. The noise level in the environment is usually moderate While performing the duties of this job, the team member is frequently required to sit and regularly required to talk and hear. The team member is required to stand, walk, and reach with hands and arms. The team member must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision We are proud to be an EEO/AA/M/F/Disabled/Veteran Employer

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Chambersburg, PA, Mechanicsburg, PA, Reedsville, PA or Winchester, VA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Areas of Responsibility Include but not limited to: Based on Size, Scope, and Risk in the overall credit facility; complete the following: Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation. Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions. Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations. Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval. Participate in continued education of agricultural industry trends/news. Participates in association initiatives and engages regularly with cross-functional teams. Other projects and/or research as assigned. REQUIREMENTS: Bachelor's degree in Business Administration, Agriculture, Economics, or Finance. Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred. Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package. Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers. Strong analytical and computer skills. Adaptable and flexible to a changing work environment. Prolonged periods of sitting at a desk and working on a computer. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid parental leave and short-term disability Fun and inclusive work environment Salary Range: $50,500 - $95,800, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.

This position is within our commercial credit group and is responsible for underwriting and structuring new/existing commercial loan applications presented to the bank. You will analyze the financial health, stability, and credit history of commercial businesses to determine their eligibility for loans and credit lines. In addition, you will ensure compliance with all Bank policies and government regulations while providing excellent customer service. The Commercial Credit Officer collaborates with Commercial Credit Analysts, Relationship Managers, Loan Processors, and respective management to gather necessary information and negotiate terms of credit agreements. Strong analytical skills, attention to detail, and a solid understanding of financial analysis techniques are essential in this role to effectively mitigate credit ricks and support C&F Bank's lending objectives. Responsibilities Underwriting and Risk Management (70%) Provide teams with guidance and expert opinion to determine appropriate risk assessment for commercial loan requests including the appropriate level of analysis of borrower's business, management, financial condition, and operations. Participate in the upfront sizing of credit requests, evaluate financial statements, identify the key strengths and weaknesses of a borrower, along with the loan structure. Apply experience and judgment to evaluate the level of risk within a request and structure the loan terms to meet the borrower's needs while adhering to C&F's risk and credit policies. Work with the Credit Analyst in the analysis of commercial loan requests. Discuss and collaborate with the Relationship Manager on credit structuring and risk rating. Work together with deal team to ensure deadlines for commercial loan requests are met. Approve loan requests for commercial relationships that fall within individual loan authority and work closely with the Senior Management team for those approvals that exceed individual loan authority. Oversee ongoing portfolio management of the bank's commercial loan portfolio to include, but not limited to, proactively identifying credit issues, and following through for remediation, timely and accurate risk rating of clients based on internal and external data and ensuring correct documentation at time of review. Mentor credit teammates on the evaluation of credit risk factors, loan decisions, and other credit topics. Assist with credit training and development of others. Determine the appropriate channel for preparation of loan documents, recommending outside counsel, as needed. Review and negotiate loan documents to ensure compliance with loan policy and all approval terms. Assist in the administration of the credit, including approval of post-closing items, etc. Oversee the commercial construction draw process to mitigate construction risk and ensure compliance with C&F policy. Maintain current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance and credit training activities. Customer Calls and Property Inspections (15%) The Credit Officer/Underwriter, where appropriate, will often join the Relationship Manager on customer calls and property inspections and will use the opportunity to develop an opinion of the customer's character, integrity, capability, experience and financial strength and the feasibility of the proposed credit request through pre-call planning and preparation. Special Projects/Other (15%) While the Credit Officer/Underwriter is primarily focused on credit risk management, it is critical for the Credit Officer to assist RMs in developing mutually acceptable solutions to win business and raise the lending profile of the bank in the marketplace. Depending on workload and resource availability, the Credit Officer/Underwriter may need to serve as backup to the Credit Analyst, Relationship Manager or other team members as required to insure an outstanding level of service internally and externally. Qualifications Knowledge: A minimum of 10 years of banking experience is required, preferably in a credit or underwriting role within a construction lending or commercial banking environment. Related experience with associated lending software programs is strongly preferred. Knowledge of loan structuring, covenants, and closing conditions as well as a proficiency in term sheet preparation and collateral perfection is required. Must possess a clear and demonstrable knowledge of C&I, Commercial Real Estate, and Acquisition, Development, and Construction (AD&C) lending. Strong financial accounting knowledge/background is required. Skills: Demonstrated analytical skills; demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office; demonstrated strong oral and written communication skills. Strong attention to detail as well as organizational skills is required. Analytical/technical skills, such as financial accounting, modeling, or loan structuring. Excellent communication, interpersonal, including demonstrated rapport-building, and PC skills are required; a level of proficiency with Microsoft Office (Word/PowerPoint and especially Excel) is necessary. Abilities: Must be able to work independently with frequent interruptions; able to communicate effectively with people at all levels; use typical office equipment; able to comprehend concepts and put them into practical application. Understanding of financial accounting, loan structuring, and loan documentation as well as excellent credit analysis and financial/cash flow modeling skills.; effectively communicate information clearly through all media channels; interact effectively with clients and Bank employees at all levels; handle several tasks simultaneously and to work under time limits; must be able to effectively present findings to varied audiences. Education: Bachelor's degree in Accounting, Finance, or Economics is required; MBA preferred. Travel: required 5 - 10% of the time to our Operations Center located in Toano, VA. Physical demands: Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking Work Environment: Work is performed in an operational office environment. Note: This contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization. Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training. Travel 10% We can recommend jobs specifically for you! Click here to get started.

Bring your expertise to JP Morgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. As a Lead Credit Officer - Vice President in Middle Market Banking and Specialized Industry Credit Risk team, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. Additionally, you will work with family-owned businesses, financial sponsors and some publicly traded companies. You will be responsible for analyzing and structuring new financing solutions as well as ongoing portfolio management in support of a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations with execution on both a bilateral basis and in the syndicated finance market with a heavy emphasis on the latter. Additionally this Vice President position involves extensive interaction with clients, internal partners, legal counsel, and other lenders, etc. Additionally this role supports Middle Market Banking and Specialized Industries for the Mid-Atlantic region which covers companies generally between $20 million and $2 billion in revenues across a wide variety of industries including federal government contractors. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to analyze and structure new transactions and work independently on the assigned credit portfolio. Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures. Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Act with a sense of urgency and drive execution to meet both internal and client deadlines. Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the “go-to” person for credit by both internal partners and clients. Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems. Required qualifications, capabilities and skills BA/BS/BBA degree is required. Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures. At least 10 years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience Significant accounting and finance knowledge and superior financial modeling skills. Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills. Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills. Excellent organizational and project management skills; able to manage competing priorities under tight deadlines. Proven ability to collaborate and build strong partnerships. Intellectual curiosity with a proven ability to learn quickly. High degree of initiative, self-direction, and ability to work well under pressure. Preferred qualifications, capabilities and skills Experience with aerospace, defense and government services (ADG) companies. Experience with lending to sponsor-backed companies.

The Senior Credit Officer is responsible for providing support, direction, and credit information to ensure the overall quality of the Bank's lending portfolio; ensures accurate and timely servicing of the Bank's loan portfolio. Duties include reviewing and approvals/declines of large and complex loans. Performs direct supervisory duties of department staff, and coordinates staff for coverage in all related areas of the department. Assist Credit Department in adherence to Bank policies and procedures. Assures compliance with all Bank policies and procedures as well as all applicable state and federal banking regulations. What you'll do: Provides supervision and support to assigned areas of credit where service or assistance is needed Reviews and approves/declines large and complex loans; reviews consist of making recommendations on loan structure, terms, and pricing so as not to expose the Bank to undue credit risk Attempts to ensure that individual loans are risk rated correctly Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition Assist in meeting annual deposit and loan growth goals assigned by senior management and the Board of Directors; participates in various internal committees assigned by Senior Management and the Board of Directors Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results Plays a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring highly cross-trained staff Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training Processes, solves and answers complex customer transactions, problems or inquiries Effectively utilizes technological systems to properly manage the credit administration functions and resolve problems within given authority Assumes responsibility for various department functions in the absence of staff members or in overload situations Understanding of all aspects and workings of Credit to back-up the Chief Credit Officer when needed Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities Requirements Where you'll shine: Bachelor's degree (BA) or equivalent from a 4-Year college or university; 4 years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related Mastered experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas Mastered experience, knowledge and training in all lending activities and terminology Mastered knowledge of commercial, construction, real estate and consumer loan processing Mastered knowledge of related state and federal lending and compliance regulations, and other Bank lending policies Ability to develop marketing and business development skills with customers Excellent organizational and time management skills with the ability to provide leadership, supervision and training for 3 or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills Proficient with industry-standard software and systems necessary to perform the duties of the position Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze and interpret documents and professional journals, understand procedures, write reports, correspondence and procedures, speak clearly to customers and employees Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate) Ability to deal with complex problems involving multiple facets and variables in non-standardized situations Ability to work with no supervision while performing duties Where we shine: Offering a full suite of benefits including medical, life, dental, and vision insurance plus generous paid time off. Supporting associates and their families; we embrace the importance of caring for oneself and our families. Surrounding ourselves with smart, driven, and diverse individuals. Valuing integrity, commitment regarding our daily duties, and the Bank as a whole. Supporting local philanthropic, cultural, and artistic initiatives and organizations that our employees' value. Devoted to the communities in which we serve as we help those who form the creative backbone of our market's future economy and business value. Bank of Clarke is “Great Place to Work” Certified through June 2025. “Top Virginia Employer for Interns” award recipient (2023, 2024,2025) through Virginia Talent and Opportunity Partnership (V-TOP.) Working Conditions: The individual will be required to be available after normal working hours. Business travel may be necessary to meet with vendors and attend training opportunities. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform the essential functions. EEO M/F/V/D

The Credit Analyst is responsible for processing/decisioning on credit applications and resolving credit-related issues through addressing incoming phone calls and emails from Lansing branch Associates and customers. Account maintenance is performed as needed to include sales change updates, address changes and account merge/close. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Review credit applications for accuracy. Pull credit reports, request supplier references, and gather needed information from Sales Associates to facilitate credit limit decisioning. Independently determine the appropriate credit limit for submitted applications and rechecks on existing customer accounts up to $50k approval level. Handle incoming phone calls and emails from Lansing Associates and Customers to accept payments and resolve credit-related issues. Involves decision-making on managing past due accounts, responding to billing questions, and reconciliation of accounting records with customers. Perform account set-up in an accurate manner. Responsible for account maintenance requested from Sales Associates and Customers. Other duties assigned. Qualifications Ability to handle high transaction volume. Ability to manage multiple tasks and meet deadlines. Ability to work with a strong attention to detail. Strong problem solving/decision-making skills. Strong customer focus. Ability to work effectively in a team environment. Ability to reconcile accounting records. Communication Proficiency. Basic proficiency with Excel and Word. Supervisory Responsibility This position has no supervisory responsibilities. Work Environment This job operates in a professional office environment. Physical Demands This is largely a sedentary role, requiring use of typical office equipment such as a computer, phone, copier, check scanner, etc. Position Type and Expected Hours of Work This is a full-time position. Normal days and hours of work are Monday through Friday, 8 a.m. to 5 p.m. in office. As a salaried position overtime may occasionally be necessary. Travel Very limited travel is expected for this position for potential physical inventory or customer related events. Required Education and Experience High school diploma. 2 years related experience. Bachelor's degree is a plus, but not required. ALJ123 #LI-KW1

Join Our Team as a Credit Analyst | Chesapeake Bank The Opportunity We're seeking a detail-driven, analytical, and forward-thinking Credit Analyst to join our dynamic Credit team. In this role, you'll play a critical part in evaluating creditworthiness, mitigating risk, and supporting strategic lending decisions that fuel growth-for our clients and our institution. About Us At Chesapeake Bank, we're more than just a bank-we're a trusted partner in our clients' financial journeys. With a legacy of excellence and innovation, we empower individuals, businesses, and communities to thrive. Our culture is built on integrity, collaboration, and a relentless pursuit of excellence. Why Join Us? Are you ready to build a successful career with a financial institution that excels in the industry and values fun? Our team is known for high levels of employee engagement, consistently ranking in the top 200 banks in yearly external engagement surveys. We offer competitive benefit plans and high levels of job satisfaction. Plus, we believe in giving back to our communities through service hours and financial contributions. Impactful Work: Your insights will directly influence lending decisions and business growth. Career Growth: We invest in your development with training, mentorship, and advancement opportunities. Collaborative Culture: Work with a team that values your voice and celebrates your success. Competitive Compensation: Attractive salary and comprehensive benefits. Ready to Make a Difference? If you're ready to take your career to new heights and be a key player in our success, apply now and join us in making a difference. Want to read more about why you should join the team? Click the link below: Top 10 Reason You Should Explore a Career with Chesapeake Bank Summary: Responsible for completing credit analysis and underwriting of new loan requests upon receipt of application package from Loan Officer / Commercial Loan Administrator. Analysts ensure conformity and consistency of loan applications and relationships to the Bank's policies and compliance with applicable regulations. Analysts partner with Portfolio Coordinators during the life of the loan to evaluate renewals and modifications or changes in the loan's risk rating. Responsibilities ROLE AND RESPONSIBILITIES: Receive loan application package receipt from Loan Officer / Commercial Loan Administrator, complete credit analysis and underwriting process, and prepare credit memo package (CAM) in conformity with Bank Policy. Analyze and complete spreads of applicant and associated financial information, create global cash flows, and establish loan/customer risk rating. Coordinate with Portfolio Coordinators on the required analysis for renewals and modifications to support timely processing and portfolio management. Complete review of guarantors and loan specific collateral. Submit CAM for approval through established workflow and monitor status in consultation with the Commercial Loan Administrator and Commercial Loan Coordinator. Partner with Portfolio Management and perform analytical tasks as needed including annual financial reviews, updated risk factor assessments, covenant analysis, criticized asset analysis, cash flow change reviews, etc. OTHER: Willingly performs other duties and projects as assigned. Answers telephone and assist loan officers with routine inquiries regarding payoffs and other loan details. BACKUP RESPONSIBILITIES: Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes Other duties as assigned Requirements Bank Credit experience required Excellent financial analytical skills with sound judgment. Excellent communication skills (both verbal and written). Strong customer-service skills. Ability to organize and prioritize to meet deadlines. Bachelor's degree in business administration/accounting/finance, preferred. Excellent knowledge of personal/business financial statements and tax returns, preferred. Working knowledge of Microsoft office applications. Understand your role as defined by the three lines of defense to maintain a compliance culture that includes risk management processes.

Apply Description Individual will proactively manage commercial and residential accounts and enforce credit terms. Duties include processing incoming credit applications, communicating with customers in a professional manner by phone, email, and written correspondence, collecting delinquent receivables and returned checks, taking fuel orders and reconciling accounts. Challenging career would suit a candidate with a “can-do” attitude and excellent organizational and communication skills. Must be able to work in a fast-paced team environment. Hours are Monday - Friday 8 AM - 5 PM Excellent benefits package to include medical and optical, dental, disability, and life insurance, holiday, vacation, paid personal leave, 401K, and profit sharing. Equal Employment Opportunity

Individual will proactively manage commercial and residential accounts and enforce credit terms. Duties include processing incoming credit applications, communicating with customers in a professional manner by phone, email, and written correspondence, collecting delinquent receivables and returned checks, taking fuel orders and reconciling accounts. Challenging career would suit a candidate with a "can-do" attitude and excellent organizational and communication skills. Must be able to work in a fast-paced team environment. Hours are Monday - Friday 8 AM - 5 PM Excellent benefits package to include medical and optical, dental, disability, and life insurance, holiday, vacation, paid personal leave, 401K, and profit sharing. Equal Employment Opportunity

We're looking for a dynamic, adaptable, and highly capable Credit Professional who thrives in a fast-paced environment, can juggle multiple responsibilities, and serves as a true utility player within the credit function. This is a hands-on, wide-ranging role that touches nearly every aspect of the credit process: from supporting underwriting and loan production to managing audits, overseeing construction draws, editing credit reports, organizing meetings, and assembling polished loan presentation packages. No two days will be the same - and that's exactly how you like it. You'll work directly with the Head of Credit Administration and serve as a critical right hand in keeping the department running smoothly, effectively, and in alignment with risk and business objectives. This is not just another credit role. You'll be central to how the credit department operates - the go-to resource for solving problems, filling gaps, and keeping things moving. If you're someone who likes variety, thrives under pressure, and takes pride in doing quality work across disciplines, this role was made for you. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Utility Team Player Step in wherever needed across credit operations, underwriting, and portfolio support. Take ownership of varied, high-impact projects - big and small - and follow them through to completion. Bridge the gap between strategy and execution, helping to ensure day-to-day activities align with departmental goals. Loan Presentation Assembly & Credit Report Editing Assemble loan presentation packages for Credit Committee and executive review. Proofread and polish credit memoranda for accuracy, consistency, and impact. Distribute finalized credit reports and materials to internal stakeholders and committee members. Meeting Coordination & Documentation Organize and schedule Credit Committee and credit-related meetings. Prepare meeting agendas, gather documentation, and ensure participants are fully briefed. Take detailed, actionable meeting minutes and track follow-ups and approvals. Portfolio & Credit Support Help monitor the health and performance of the loan portfolio. Assist in data analysis, portfolio reviews, and stress testing. Coordinate credit audits and loan review activities, supporting prep and follow-up actions. Reporting & Process Improvements Generate and refine credit and portfolio reports for management and board committees. Identify ways to streamline workflows, reduce bottlenecks, and improve reporting accuracy. Support credit technology or MIS system enhancements and rollouts. Other Duties Other duties as assigned. Skills/Abilities Strong organizational, communication, and writing skills. A sharp eye for detail. Able to manage multiple priorities. Proficient with Excel, Word, PowerPoint, and credit systems (e.g., JackHenry, Abrigo, etc.). Flexible, proactive, and unafraid to roll up your sleeves. You see problems as opportunities and adapt easily to change. Supervisory Responsibility This position does not have supervisory responsibilities. Work Environment This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary. Travel Limited local travel may be required for this position. Education and Experience Requires at least 5 years experience in credit administration, commercial underwriting, or loan operations. Requires Bachelor's degree in Finance, Accounting, or related field. MBA or similar degree is preferred. Requires strong understanding of credit policy, risk ratings, and loan documentation. Equal Employment Opportunity/M/F/disability/protected veteran status. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Atlantic Coast Mortgage, LLC (“ACM”) is looking for a Mortgage Lock Desk Analyst to join our Secondary and Capital Markets Team. This position will be responsible for day-to-day management and completion of lock desk operations, inquires, and work requests. The ideal candidate will be a self-motivated, strong communicator with exceptional attention to detail and organizational skills. Essential Functions: · Take, enter and manage daily lock volume · Upload/process existing locked loans · Review daily pipeline reports and manage lock expirations/extensions/relocks to ensure appropriate coverage through loan closing and purchase · Maintain lock documentation, ensuring its delivery and communication to appropriate parties · Provide exceptional customer service to all internal employees and external partners Required Skills, Knowledge, Education and Experience: · 1+ year of experience working with Encompass and PollyEx preferred · 2+ years of experience working in the mortgage industry preferred · 2+ years of experience working with Microsoft Office/Excel · Ability to build strong working relationships and deliver exceptional service · Knowledge of mortgage banking operations, pricing, programs, products and procedures · Attention to detail and ability to complete tasks on schedule · Strong multitasking, written, and verbal communication skills

The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions. $17.00 - $18.00 Hourly

Trustar Bank is a community bank conceived to meet the banking needs of businesses and individuals in the greater metropolitan Washington DC area. The Organizers of the Bank are experienced bankers, bank investors, and business professionals in the Bank s target market area. We are so proud to have just celebrated our 6th Anniversary and we are continuing to grow. Winners of the Washington Business Journals Best Places to Work five (5) years in a row, we want you to join this exciting, hard working team! At Trustar, our mission is to be your partner for financial success, to provide a sound investment for our shareholders, and to support our local community. Our unique approach to financial services and our can do attitude sets us apart from our competition. At Trustar, our philosophy is to provide customized banking solutions and top-notch service that truly addresses your individual needs. A viable market, sufficient capital, engaged leadership, and strong management are critical success factors for any financial institution. Service differentiates one bank from another. As a community bank, Trustar Bank s strategy is to be a personalized alternative to larger, super-regional financial institutions that increasingly dominate the Bank s primary market. Our mission statement emphasizes personal service, responsiveness, and a willingness to tailor products and services to meet the needs of our customers. Trustar Bank is currently seeking an experienced Credit Analyst that will primarily be responsible for independently gathering and analyzing business and financial records and other information and documents necessary to assess customer credit and risks in connection with primarily commercial loans. The analyst is also responsible for making determinations and recommendations on commercial credit decisions, credit risk, and loan approvals for loans. The analyst will follow all established policies and procedures for the Bank. Summary of Job Duties: Participate in pre-credit discussions, analyze and assist in responding to initial credit requests. Develop and perform information needs assessment and identify all documents and information necessary to conduct a thorough credit and risk review and analysis. Underwriting: Review and analyze financial statements, tax returns, and other necessary business records, prepare projections, and perform sensitivity analyses. Credit Decision: Conduct Credit, financial and industry analysis. Structure loans or review and/or recommend structure, terms and pricing for primarily commercial loans. Identify and evaluate risks and mitigates and make determination and recommendation of credit risk grade. Monitor borrowing base/covenant compliance and approve advance requests on Line of Credit. Partner with Loan officers to ensure that loan documentation and financial information is properly maintained and collected from customers. Order and review property appraisals to properly evaluate collateral value for transactions under consideration. Perform other duties as assigned. Requirements include: Bachelor's Degree in business administration, finance, or related field Minimum two to five (2-5) years of experience in both commercial and real estate credit analysis Thorough understanding of financial accounting, loan structuring, legal, compliance and market risk related issues involved in the approval of credit. Interpersonal skills An ability to prioritize multiple tasks An ability to work independently Excellent written and verbal communication skills Proficiency in MS Office (Word and Excel) Trustar Bank has grown rapidly since it's start in 2019. With an all-star team and fast-paced environment, this is an exciting opportunity to join the Credit and Lending Team. We also provide an outstanding benefits package to include a NO Deductible health care plan, a strong 401(k) with discretionary company match, LifeLock premier for all employees, and a generous PTO plan. We are an equal opportunity employer. Please note this is an in office position and a professional environment.

John Marshall Bank is looking for an experienced Credit Analyst to join our Credit Underwriting team in our Reston Headquarters. In this role you will: Oversee the review of financial, collateral, and other related documentation used to evaluate commercial loan requests to approve or deny applications for credit. Participate in credit approval process; monitors adherence to loan policy, ensures accuracy of risk rating system, ensures effective evaluation and administration of collateral. Be responsible for the completion of financial spreads and analysis; credit approval and memo review for loan presentations in conjunction with Commercial Bankers, all in an independent and objective manner. Maintain a continuing and informative record of data from which lending officers may make fully informed loan decisions. Spread and analyze, historical and projected financial statements, tax returns, and other pertinent financial information to determine overall financial performance, condition, and creditworthiness of Borrower and other obligors. Review credit files for documentation and exceptions. Submit periodic exception reports. Engage in effective and timely communication regarding credit considerations and issues with Credit Administration and Commercial Bankers. In addition to handling the normal flow of transactions, may also be assigned to handle complex transactions. Requirements Required: At least 2 years experience in commercial credit analysis, underwriting, and/or a formal credit training program Bachelor's Degree in accounting or finance or related field from an accredited four-year college or university Sound credit and analytical skills Solid understanding of balance sheets, income, and cash flow statements Proficiency with Microsoft Suite including Word and Excel Preferred: Ability to learn internal bank systems and additional software applications Advanced knowledge of commercial real estate, commercial and industrial, general business, asset-based, and real estate construction loans within respective economic market areas Strong combination of interpersonal communication skills, analytical and decision-making skills, with the ability to make recommendations and offer solutions John Marshall Bank is an Equal Opportunity Employer At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes: Medical Dental 401K Retirement Plan w/ an Employer Match (4% match on 5% contributions - this is highly competitive compared to other organizations) Vision Employee Assistance Program Flexible Spending Transit Reimbursement Dependent Day Care Long Term Care Paid Time Off Life and Disability Coverage At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position .

First National Bank is seeking a motivated and detail-oriented Credit Analyst to join our Credit Management team in Lynchburg, VA! This is an excellent opportunity for a driven individual looking to build a strong foundation in credit analysis while contributing to sound credit decisions that balance growth and risk management. The Credit Analyst will be responsible for inputting and providing detailed analysis of financial statements and assessment of credit requests along with other credit administration duties as assigned by the Senior Credit Analyst. This includes, but is not limited to: * Providing recommendations tied to the assessment of credit risk while adhering to the Bank's loan policies and guidelines * Demonstrating knowledge of each functional area of credit management including knowledge of appropriate loan structures, generating loan volume, and protecting quality and profitability while minimizing risk exposure What's in it for you? * Competitive salary and other bonus opportunities * Comprehensive medical, dental, vision and life insurance benefits * Generous Paid Time Off (PTO) and 11 paid holidays * Paid Parental Leave and other paid extended leave for eligible employees * 401(k) Match Program and Pension Plan * Tuition Reimbursement * Great health and well-being benefits including: telehealth, EAP, specialized treatment of musculoskeletal injuries and conditions, focused benefits for diabetics, LTD, and various supplemental plans * We focus on the growth and development of our employees. The Credit Analyst has the ability to grow professionally at FNB What will you be doing in this role? * Performing regular credit file analysis on pending loans requests and ensuring the timely delivery of credit file analysis to include but not limited to: spread of borrower's balance sheets, income statements, and tax returns to facilitate credit analysis * Preparing written financial statement analysis including evaluation of cash flow and collateral for presentation to the appropriate person making the final lending decision * Evaluating industry information to determine economic trends in customers business and developing projections to evaluate financial capacity and ability to repay. Predicting probability of successful repayment of new and existing loans * Recommending loan structure for new and renewal loan requests made by individuals and businesses * Participating in Management Loan Committee (MLC) meetings by offering reports, comments and suggestions based on analysis * Ensuring compliance with state and federal regulations and bank policies and procedures. Staying abreast of new rules, regulations, and procedures to assist in implementation and revision of current policies and procedures Requirements What will you need? * Bachelor's degree in business administration, accounting or other related field of study preferred. Five (5) years of relevant experience in underwriting loans or in reviewing or producing loan documentation for commercial or small business credit requests or an appropriate combination of education and closely work related experience * Ability to accurately perform mathematical calculations including but not limited to ratios and percentages * Reads, analyzes, and interprets industry information, financial statements, tax returns and other documents and reports relevant to credit and trend analysis * Recognizes need for action, defines problems, collects data, establishes facts, and draws valid conclusions, proposes viable solutions * Basic knowledge of relevant banking regulations and operational policies and procedures preferred * Possesses strong interpersonal, verbal and written communication skills with ability to understand and carry out instructions, speak clearly and make effective presentations to peers, management and committees * Proficient in the use of Microsoft Office products, bank information systems, internet research and other PC-based applications. Physical/Environmental Demands * The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions * The environment is typical of an office atmosphere. The noise level in the environment is usually moderate * While performing the duties of this job, the team member is frequently required to sit and regularly required to talk and hear. The team member is required to stand, walk, and reach with hands and arms. The team member must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision We are proud to be an EEO/AA/M/F/Disabled/Veteran Employer

Are you looking for a new opportunity with the ability to work in a collaborative team environment, that provides a great work/life balance, and the chance to make a difference? Overview: Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, or Winchester, VA branch location. The hours of operations are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule after 6 months of successful employment. This is a great opportunity to make a difference in agriculture and rural communities. Position Description: In this position, you will work directly with Ag Relationship Managers, Customers, Credit Analysts, Regional Credit Officers, Special Assets, and Regional Management to return a loan to a viable financial position through restructuring, borrower counseling, creative credit packages and/or resolution of distressed accounts if needed. You will assist with the prevention of loans entering special classification and the reduction of non-earning assets through restructuring, borrower counseling, and resolution of distressed and delinquent accounts. Areas of Responsibility: Will act as a key influencer with Customers and Ag Relationship Managers and work with Credit Analysts and Management in assigned regions to address customer situations in or approaching the need to refer to the Special Assets team. Establishing and maintaining sound credit and loan administration/pricing, along with credit quality goals. Establishing appropriate loan terms and conditions to manage the loan risks for a variety of loans. Serve as a specialized resource focused on the retention and improvement of distressed and/or assigned accounts not assigned to the Special Assets team. Monitors assigned accounts. Partners with the Special Assets Team Lead and aligns with key credit strategies with Regional Sales Team. Analyzes credit/operation of assigned customers. Provide Ag Relationship Managers support through coaching, coordinating, and delivering both individual and group training as needed and as directed by Leadership. Provide key insights, counsel, and direction on assigned to relevant accounts, and supporting communications as needed, to best position the Ag Relationship Managers as the primary contact with the customer. REQUIREMENTS Bachelor's degree in Business Administration, Agriculture Economics, Finance, or related field. Generally, at least 8 years of lending/credit analysis experience. Ability to perform a greater level of activities, and independently handle complex credits. Proficient in accessing loan applications and making informed credit decisions. Highly skilled in selling, negotiating, and identifying customer needs. Excellent negotiation skills and the ability to probe for customer needs. Ability to analyze and develop solutions to complex problems. Excellent interpersonal, communication, and organizational skills. Excellent skills in judgment, decisiveness, and analysis and ability to appropriately respond and react quickly as situations dictate. Adaptable and flexible to a changing work environment. Prolonged periods sitting at a desk and working on a computer. Regular, predictable, and reliable attendance is required. Complies with the Association's Standards of Conduct Policy. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference in agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: Medical insurance with dental and vision care options 401 (k) with significant employer matching Paid time off, holidays, and volunteer time to support work/life balance Tuition reimbursement and training opportunities Student loan reimbursement Leadership and career development opportunities Paid maternity and bonding leave Paid short-term disability Fun and inclusive work environment Salary Range: $75,400 - $90,000, depending on experience. Equal Opportunity Employer including veterans and individuals with disabilities.