Credit Officer Ag Lending
The Credit Officer Ag Lending is responsible for analyzing credit requests, underwriting loans, and making credit decisions within delegated authority for agricultural clients. This role involves loan servicing, portfolio monitoring, client financial counseling, and collaboration with internal teams to support credit risk management and portfolio growth. The position offers a hybrid work environment and focuses on supporting crop and livestock industries through sound financial analysis and client relationship management.
About Careertakes
👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Accounting & Finance.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
What You’ll Do
The Confidential Client is hiring a Credit Officer — Ag Lending to perform credit analysis, underwriting, and loan servicing for agricultural clients. You will review financial statements, evaluate credit risk for crop and livestock operations, make credit decisions within delegated authority, and communicate terms and requirements to internal teams and clients. Regular interaction with Financial Officers and occasional on-site client visits are part of the role.
- Analyze financial and supporting documentation for lending and servicing requests
- Determine required level of analysis and due diligence based on credit risk
- Approve, decline, or escalate credit requests per delegated authority
- Establish loan conditions, closing requirements, and account classifications
- Prepare clear narrative write-ups that explain credit decisions, terms, and findings
- Negotiate credit agreements with borrowers, participants, and counsel as needed
- Create tailored credit packages to meet client needs while managing risk
Loan Servicing & Portfolio Management
You will help monitor portfolio performance and develop servicing plans for stressed or delinquent loans. This includes coordinating with sales, RAU, and operations teams to balance credit risk with portfolio growth.
- Monitor lending portfolio and recommend account classifications
- Work with sales and clients to develop cure plans for delinquencies
- Structure stressed credits to align with internal requirements and client outcomes
- Use exception reports and database tools to ensure accurate loan and collateral records
Client Relations & Industry Expertise
You will collaborate closely with Financial Officers and present financial assessments and benchmark analyses to clients, helping them understand and improve their financial health.
- Implement a team relationship model with Financial Officers and colleagues
- Meet with clients to present peer reports, industry benchmarks, and counseling tools
- Maintain up-to-date knowledge of crop and livestock industries, production practices, and market trends
- Participate in trainings, industry webinars, and professional development activities
Qualifications
- Bachelor’s degree in ag business, finance, economics, or related field — or equivalent experience
- Basic to solid experience with credit analysis, underwriting, or credit servicing in a financial institution preferred
- Familiarity with agricultural businesses, crop insurance, and livestock operations preferred
- Strong analytical, problem-solving, communication, and time-management skills
- Proficiency with MS Office, CRM applications, and internal underwriting/database systems
- Ability to make decisions, negotiate, and influence outcomes; adaptable to changing situations
- Able to work independently and collaboratively across teams
Compensation & Benefits
- Base pay range: $60,700 - $91,500 USD
- Employment type: Contract, Full time
- This role may be eligible for variable compensation and additional benefits below
- Hybrid work model — up to 50% work-from-home
- Flexible schedules, including additional summer flexibility
- Retirement: up to 9% toward 401(k) (3% fixed contribution + up to 6% match)
- Benefits: medical, dental, vision, HSA/FSA, life & AD&D, short- and long-term disability, wellness programs, and EAP
- Paid time off: vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off
- Learning and development, mentorship programs, cross-functional committee opportunities, and membership/certification reimbursement
Applicants must be authorized to work for any employer in the United States. The Confidential Client is unable to sponsor or transfer sponsorship of an employment visa at this time.
Work Location & Schedule
This position is based in Fond Du Lac, WI (office) with a hybrid option of up to 50% remote work. Occasional travel to client locations and meetings is expected.
Equal Opportunity & Hiring Transparency
Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.
If you have questions about how your data is used, please contact us directly.
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