Credit Analyst

Credit Analyst

Lakeland, Florida (Hybrid Opportunity Available)

Make a Difference While Building Your Credit Career

Are you a credit professional who enjoys analyzing complex financial transactions, guiding lending decisions, and helping businesses succeed? Farm Credit of Central Florida offers a unique opportunity to make a meaningful impact while supporting Florida's agricultural producers, rural communities, and local economies.

As part of the nationwide Farm Credit System, we provide financing and financial services that help sustain a stable, healthy, and sustainable food supply while supporting the growth of agriculture and rural America. With more than $1 billion in originated loans and other financial services and over 1,200 member-borrowers, Farm Credit of Central Florida is a trusted financial partner throughout the region.

We serve 13 Central Florida counties, including Polk, Citrus, Pinellas, Pasco, Hernando, Hillsborough, Lake, Sumter, Osceola, Orange, Seminole, Volusia, and Brevard.

We are seeking an experienced Credit Analyst to join our team at our headquarters in Lakeland, Florida. In this role, you will work closely with Credit and Lending leadership to evaluate new lending opportunities, support portfolio management, and provide sound credit recommendations across a diverse loan portfolio. This position offers exposure to agricultural, commercial, residential, and occasionally middle-market lending opportunities, making it an excellent opportunity for a motivated analyst looking to expand their credit expertise and advance their career.

Why Join Farm Credit of Central Florida?

• Meaningful work supporting Florida agriculture and rural communities
• Exposure to a diverse portfolio and a wide variety of lending relationships
• Opportunity to work directly with experienced lending professionals and senior leadership
• Career development through increasingly complex credit assignments
• Stable, mission-driven organization backed by the nationwide Farm Credit System
• Hybrid work flexibility following successful onboarding and demonstrated proficiency

What You'll Do

Credit Analysis & Underwriting

• Analyze financial statements, tax returns, cash flow, collateral, and other financial information to evaluate creditworthiness and repayment capacity.
• Underwrite new loan requests in accordance with regulatory requirements, internal policy, and sound credit principles.
• Assess borrower and transaction strengths, risks, and mitigants utilizing the 5 Cs of Credit framework.
• Assign appropriate risk ratings supported by thorough qualitative analysis and sound judgment.

Credit Recommendations & Decision Support

• Develop comprehensive credit presentations and recommendations for management, loan committees, and approval authorities.
• Clearly communicate transaction structure, risk assessment, policy exceptions, and supporting rationale.
• Partner with loan officers and decision-makers to obtain information necessary for timely credit decisions.
• Present complex transactions professionally and confidently to internal stakeholders.

Portfolio Management & Risk Monitoring

• Monitor assigned relationships for compliance with financial and loan covenants.
• Review servicing requests, financial reporting, and other portfolio activities in a timely manner.
• Identify emerging credit trends and potential risk concerns and communicate findings appropriately.
• Support effective portfolio risk management while maintaining strong customer service standards.

Professional Development

• Develop a strong working knowledge of Farm Credit lending systems, policies, procedures, and risk management practices.
• Demonstrate sound judgment, analytical thinking, and independent decision-making capabilities.
• Build toward delegated credit approval authority through demonstrated expertise and performance.
• Assist with special projects and increasingly complex lending relationships as experience grows.

Qualifications

Required

• Bachelor's degree in Finance, Accounting, Economics, or a related field, or an equivalent combination of education and experience.
• Minimum of three (3) years of credit analysis, underwriting, financial analysis, or related banking experience.
• Strong understanding of: 
  • Business and personal financial statement analysis
  • Cash flow analysis
  • Loan structures and underwriting principles
  • The 5 Cs of Credit
  • Generally Accepted Accounting Principles (GAAP)
• Proficiency in Microsoft Excel and other business technology applications.
• Excellent written, verbal, and presentation communication skills.
• Strong organizational and time-management skills with the ability to manage multiple priorities.
• Ability to work both independently and collaboratively in a fast-paced environment.
• Commitment to Farm Credit of Central Florida's mission, values, and culture.

Preferred

• Knowledge of covenant monitoring and portfolio management practices.
• Advanced Excel skills.
• Experience presenting credit recommendations to committees or approval authorities.
• Knowledge of agriculture or farm management practices a plus.

Work Arrangement

This position is based in Lakeland, Florida. Following successful onboarding and demonstrated proficiency, employees may be eligible for a hybrid work arrangement of up to two remote workdays per week.

Build a Career with Purpose

Whether your background is in banking, commercial credit, accounting, finance, or agriculture, Farm Credit of Central Florida offers the opportunity to grow professionally while supporting an industry that sustains our communities. Join a team where your analytical skills, judgment, and contributions truly make a difference.