Credit Manager
On-siteFostoria, Ohio, United States
Job Summary
Lead and oversee credit underwriting activities, ensuring adherence to AgCredit's credit philosophy, underwriting standards, and risk appetite. Review and approve or recommend action on complex, large, and higher-risk credit requests, evaluating repayment capacity, collateral adequacy, and risk mitigation strategies. Monitor portfolio performance, including credit quality, risk ratings, delinquency trends, adverse assets, and concentration risk, while identifying and escalating emerging credit risks to senior leadership. Oversee stress testing, sensitivity analysis, and ongoing portfolio monitoring activities, ensuring compliance with AgCredit policies, FCA regulations, and audit requirements. Lead, mentor, and develop Credit Analysts through coaching, training, and performance management, serving as the Association's subject matter expert on credit analysis and risk management practices. Participate on the Association Loan Committee and Risk Management Committee, providing independent credit perspective and governance oversight. Drive continuous improvement of credit processes, systems, and operational efficiencies across the Association. Monday to Friday, 8:00am-4:30pm.
Required Qualifications
- Bachelor's degree in finance, Accounting, Business, Economics, or Agriculture
- Seven to ten + years of progressive experience in agricultural or commercial credit
- Demonstrated expertise in advanced financial analysis and GAAP-based underwriting, loan structuring, collateral valuation, credit risk management, portfolio monitoring, and credit administration
- Strong leadership, coaching, and supervisory skills
- High level of judgment and independent decision-making capability
- Ability to communicate effectively with Loan Committee, senior leadership, Account Officers and examiners
- Strong organizational and prioritization skills in a deadline-driven environment
- Knowledge of Farm Credit System structure and agricultural lending practices
Desired Qualifications
- Knowledge of Farm Credit System structure and agricultural lending practices preferred
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