Credit Analyst

Credit Analyst – Greenville, Louisburg, Fayetteville, Raleigh, or Elizabeth City, NC

Are you passionate about supporting agriculture and rural communities? Do you thrive in a detail-driven environment where your analytical skills and financial insight make a real impact? If so, we want to hear from you!

As a Credit Analyst at AgCarolina Farm Credit, you’ll play a key role in evaluating credit packages, supporting sound lending decisions, and contributing to the financial health of our Association. You’ll work independently while collaborating with senior staff and loan officers, all within a culture that values mentorship, candid conversations, attention to detail, and timely decision-making—in service of agriculture and rural communities.

What You’Ll Do:

• Analyze financial data to assess creditworthiness and identify strengths and weaknesses in complex credit packages (typically $2.5M+)
• Prepare complete loan packages, including projections and documentation, independently
• Evaluate risk in loan transactions and recommend appropriate actions
• Perform account monitoring and ensure borrower data is securely maintained
• Collaborate with Agribusiness loan officers and senior staff to support lending decisions
• Participate in training and professional development as scheduled
• Communicate recommendations clearly and confidently to peers and leadership

What We Value:

At Agcarolina, We Believe In:

• Customer Focus – Building strong relationships through responsiveness and professionalism
• Collaboration – Working closely with your team and other departments to deliver exceptional service
• Excellence – Bringing precision, organization, and integrity to everything you do
• Growth – Enjoying opportunities for development, innovation, and meaningful contribution

What We’Re Looking For:

• Bachelor’s degree in business, finance, accounting, agricultural economics, or related field
• 0-2 years of credit analysis experience, or an equivalent combination of education and experience
• Strong analytical, judgment, and communication (oral and written) skills
• Ability to be assertive and decisive in making sound business decisions
• Capability to handle high-stress situations professionally
• Full understanding of the 5 C’s of credit: Capacity, Capital, Conditions, Character, and Collateral
• Intermediate computer skills in Microsoft Office (Word, Excel, PowerPoint) and Windows
• Quick learner, adaptable, and strong problem solver
• Ability to work independently under general supervision
• Team-oriented mindset with a commitment to collaboration

Why Join Us?

If You'Re Looking For:

• Competitive pay, including eligibility for incentive pay
• Comprehensive benefits (medical, dental, life, LTD, and others)
• Maternity, Paternity, and Caregiving Leave
• Company-matched 401(k) (100% match of the first 6% you defer)
• Commitment to training and professional development
• Meaningful work that allows you to make a difference in agricultural and rural communities
• Opportunities for work-life balance
• A great work environment with colleagues who share a commitment to our core values

Agcarolina Individual Competencies:

1. Communicates Effectively
2. Action-Oriented
3. Makes Good Decisions
4. Collaborates
5. Focuses on Our Members
6. Welcomes Everyone and Treats Them Fairly
7. Leadership

Internal candidates must have at least 2 years of Farm Credit experience, a Fully Successful rating or higher on their most recent performance review and have been in their current role for at least 2 years before applying. 

• Interview Process:
• Applications received within the first 2 weeks of posting date will receive priority consideration. The position will remain open, however, until the vacancy is filled.

1. Phone Screen with AgCarolina HR Representative 
2. In-person interview

Equal Opportunity Employer/including Disabled/Veterans. AgCarolina is unable to sponsor employment visas at this time. 

AgCarolina Farm Credit is the largest ag lending cooperative operating in North Carolina with a local presence throughout the territory. The Association has approximately $3.1 billion in gross loan volume, serving more than 6,000 members. 

Our purpose at AgCarolina Farm Credit (ACA) is to serve the agricultural industry and our rural communities, yielding a more prosperous future for all. We are committed to providing constructive credit and financial services to grow the success of our members, one local relationship at a time.  

We believe that an inclusive team of employees is the best way to serve our agricultural and agribusiness customers. AgCarolina refers to our diversity initiatives as inclusion initiatives. With inclusion, we seek to involve all employees, management team, and board in fostering an environment that encourages and acknowledges the positive contributions individuals from all backgrounds can make in the success of our organization. By embracing and leveraging our unique strengths we establish ourselves as a positive corporate citizen and an employer of choice.

We are committed to attracting and developing an outstanding team of employees and supporting each one to achieve his or her full potential. Our success at AgCarolina GROWS by:

•     Growing our people and association 
•     Relationships built on respect, trust, and integrity
•     Owning responsibility for our attitudes, actions, and job performance
•     Welcoming everyone and treating them fairly
•     Serving one another, members, and local communities

In addition to our Core Values, AgCarolina has established competencies for employees, leadership, and senior leadership positions. These competencies are designed to provide a clear picture of the daily actions one can take and develop over time to add value to the Association and enhance their professional growth. 

Equal Opportunity Employer/including Disabled/Veterans. AgCarolina is unable to sponsor employment visas at this time.