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Job Description

Credit Representative/Analyst

Requisition Number: CRAN/6380/10/2018/1
City: Enfield
State: CT
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Description/Job 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 is the leading provider of loans and financial accounting services to farmers, foresters, fishermen, and agricultural business owners across the northeast with over $6.6 billion in loan volume and over $25 million in financial accounting service revenue generated annually.

As a Credit Representative/Analyst, you work in concert with Farm Credit East branch offices and Commercial Lending Unit staff in analyzing, making, and servicing of loans to Farm Credit East's largest customers. Potential customers include processing and marketing, farm-related business, similar entities, rural utilities, and cooperatives. The position will also play an integral role in the Farm Credit East's purchased participation program by authoring credit reports, as well as researching and compiling various industry analyses. In addition, the position is accountable for the day-to-day administrative support of the Commercial Lending Unit Relationship Managers.

Sound and secure credit analysis and underwriting combined with the promotion of good customer and public relations is important for the advancement of both the employee and Farm Credit East. The Credit Representative/Analyst is expected to understand all phases of the delivery process and take responsibility for meeting the needs of both external and internal customers. This position reports to the Commercial Lending Unit Manager.

Prior experience with nCino is strongly preferred.

Territory Served: Farm Credit East, ACA serves 14,500 customers and has over $6.6 billion in loans and $25 million in financial service fee income.  The Farm Credit East territory includes CT, MA, RI, NJ, NH, NY and ME.

Area: This position is based in Enfield, CT which is a suburban area, with urban amenities conveniently located nearby.

Types of Agriculture: The Farm Credit East loan portfolio is very diverse and consists of dairy, nursery, greenhouse, field crops, timber, fruit, vegetables, aquatic, and more.

Responsibilities/Duties

The employee is accountable for the following:

  • Lending and Loan Servicing: Extend sound farm, farm related, aquatic, and country living loans through analysis of applicants' financial conditions, management abilities, and economic trends and obtain accurate appraisals and valid security liens.  Minimize losses by means of sound and timely servicing and collection efforts and timely sale of acquired property. 
  • Marketing: Increase business by means of promotional activities and superior customer service. Provide value to customers with appropriate and timely products and services.
  • Member Relations/Teamwork: Provide outstanding customer service (both internal and external) and deliver exceptional customer experience and value by setting, communicating and meeting customer expectations. Demonstrate a strong community commitment and professional presence that contributes to the overall positive image of the ACA. Act in a forthright and ethical manner, display a positive attitude and contribute positively to the overall morale of the team and association. Assist other team members and contribute to training.

Required Education

Position requires a Bachelor's degree in a business-related major such as agricultural economics, finance, or accounting. Strong communication, accounting, and analytical skills are required.