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Commercial Credit Analyst Job in Wellington, Ohio US

Commercial Credit Analyst

Ag Credit - Wellington, OH

Posted: 12/11/2025 - Expires: 1/10/2026

Job ID: 292981688

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Job Description

JOB DESCRIPTION

Join the AgCredit Team: Commercial Credit Analyst

Location: Within AgCredit Territory

About AgCredit

Our mission at AgCredit is to create lifelong opportunities for our customers and employees by striving to be the premier cooperative lender and employer in our rural communities. Our core values focus on relationships, respect, integrity, service, accountability, teamwork and courage for our customers' and employees' success. As a cooperative agricultural lending institution, our commitment is to our customer-owners.

Headquartered in Fostoria, OH, AgCredit serves over 7,000 member-owners in 15 lending offices throughout 18 counties across northwest and central Ohio. As part of the nationwide Farm Credit System, we are proud to return our profits back to our members through our patronage program. We hope you'll consider joining our experienced lending team as we continue to serve our customers, employees and communities.

Commercial Credit Analyst - Within AgCredit Territory

The Commercial Credit Analyst will analyze all forms of credit information and independently prepare a complete documented credit package for all sizes and types of credit facilities, with primary concentration on large and complex Agribusiness and Capital Markets credit facilities. Provide credit analysis and loan structure expertise support primarily to the Agribusiness lending team, develop relationships with a number of complex accounts, provide occasional functional guidance to less experienced analysts, deliver prompt and courteous customer service to internal and external customers; and various other functions relating to the daily operations of the Agribusiness and Credit Analysis Branches. Additionally, the role supports marketing efforts, promotes AgCredit's core values, and collaborates across teams to maintain secure and efficient loan servicing processes.

What You'll Do:

* Based on the size, scope, and risk in the overall credit facility, complete the following for the Agribusiness Branch's originated and purchased loans and bonds:
* Analyze financial information and accurately completes historical trends, pro forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default models, identification of sources and uses, loan profitability models, and any other necessary schedules, worksheets, and/or tools available to adequately support the overall credit recommendation.
* Prepare a loan narrative or servicing request that provides an adequate summary, as applicable, of the (i) loan request, (ii) borrower and guarantors, (iii) eligibility, (iv) financial analysis, addressing the applicable five C's of credit and highlighting credit strengths and weaknesses, (v) loan profitability analysis, and (vi) industry analysis, to support the overall credit recommendation.
* Present loan action requests and credit recommendations to Loan Committee on an as-needed basis in conjunction with the Agribusiness Account Officer or independently.
* Obtain proper delegated authority approval of credit recommendations.
* Ensure all documentation supporting the credit recommendation is provided to the Agribusiness Loan Coordinator in a timely manner to support execution of the loan action including, but not limited to, communication with potential loan investors, application for guarantee, and loan closing.
* Self-review of work to ensure Probability of Default and Loss Given Default ratings are accurate and loan structure and covenants are appropriate given the Size, Scope and Risk.
* Advise Agribusiness Account Officers on appropriate loan structures and recommend appropriate controls.
* Provide expertise to Agribusiness Account Offic

Apply here: https://www.aplitrak.com/?adid=YmJnZW5lcmljLjM1OTQ2LjEwNTA4QGFnZmlyc3Rjb21wLmFwbGl0cmFrLmNvbQ

Job Summary

Employment Type:
Full Time Employee
Job type:
Regular Employment
Skill Based Partner:
No
Education Level:
No school grade completed
Work Days:
Mon, Tue, Wed, Thu, Fri
Job Reference Code
N/A
Salary
N/A
Licenses / Certifications:
N/A
Display Recommended WorkKeys®Recommended WorkKeys®:
Applied Math: 5
Graphic Literacy: 5

Workplace Documentation: 5