Director of Credit Analysis October 18, 2019

October 18, 2019, Alabama Farm Credit, Cullman, AL

SALARY RANGE: $80,000 - $120,000: Commensurate with Experience and Qualifications

REPORTS TO: Chief Risk Officer

Company Profile

Alabama Farm Credit stands strong as an $894 million enterprise dedicated to the financial needs of rural communities. In short, we help fund new ways to grow food, generate energy, access technology, and otherwise improve life in rural America. A career at Alabama Farm Credit can offer you the opportunity to make a personal impact on the people and communities where we do business. The institution is headquartered in Cullman, AL with five offices that serve the northern twenty-seven (27) counties of Alabama. We also provide competitive compensation, health and wellness benefits, company-funded retirement plan, matching 401(k), and professional development programs.

Position Summary

  • The Director of Credit Analysis is responsible for managing a staff of credit analysts engaged in the analysis, servicing, and reporting of the association’s loan portfolio.
  • The candidate will process and approve loans in the assigned territory within the limits of specific delegated authority consistent with association policies.
  • Additionally, the Director will evaluate and service loans within the highest level of complexity and risk; conduct credit analyses, servicing and reporting of the association’s mortgage and commercial loans.
  • The Director is responsible for conducting regular evaluations of the loan portfolio as it relates to composition, liquidity, and credit quality as well as compliance with all applicable lending policies and regulations.

Education and Experience Requirements

Bachelor’s degree in Business Administration, Agricultural Economics, Finance, or related field plus ten (10) years or more of progressively responsible banking or agricultural lending experience involving credit underwriting, administration and analysis of agribusiness loans, complex credits on commercial and mortgage loans, as well as retail loans. Experience should include at least one (1) year in a lead or supervisory position. MBA or other relevant graduate degree preferred. CFA, CPA, or other relevant certification desired.

Apply or Request Additional Information

If you would like to apply, please send your resume to:

Alabama Farm Credit, ACA
Attn: Brandi Jones
P. O. Box 639
Cullman, AL 35056-0639


Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time.

This document does not create an employment contract, implied or otherwise, other than "at will" employment relationship.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Principals only. Recruiters, please don't contact this job poster.