FCI is a farmer-owned lending cooperative headquartered in Mahomet, Illinois, with $8 billion of owned, managed, and collaborated loan assets and investments. With a core purpose of Helping Farm Families Succeed, FCI is owned by 19,00 farmer, rural landowner, and agribusiness members in the southern 60 counties of Illinois. FCI is one of many Farm Credit System Associations which collectively serve all 50 states, Washington DC, and Puerto Rico.
At Farm Credit Illinois, we are committed to fostering a workplace that celebrates diversity, equity, and inclusion. We believe that a diverse team brings unique perspectives and experiences, making us stronger and more innovative to serve our members. We offer comprehensive benefits that include medical, dental, and vision, as well as paid time off programs, such as vacation, sick leave, parental leave, holidays, and more. FCI invests in employees' futures by offering a 401k plan with employer match, as well as professional development and learning opportunities to help our employees grow in their career. Our core values-family, integrity, relationships, expertise, and passion, are the foundation of our culture, and we strive to exemplify these values in every aspect of our association.
Why Join Us
Competitive compensation package. Grade and salary commensurate with experience, with an annualized base salary range of 85,000.00 - 140,000.00 plus a bonus based on team and individual performance. This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting.
Comprehensive benefit package includes 401(k) with 3% employer contribution and 6% employer match, vacation days, sick days, 13 paid holidays, parental leave, and volunteer leave, along with medical, dental, vision, and life insurance as further described at https://www.farmcreditfoundations.com/fcfbenefits/
Professional development and career growth opportunities.
Opportunity to work for a reputable and community-focused financial institution dedicated to a positive, collaborative work environment that encompasses the association's mission to serve our members and the agricultural industry as we strive to help farm families succeed.
Description/Job Summary
The Senior Credit Officer underwrites and approves/denies traditional, large, complex, agribusiness and commercial loans by partnering with loan officers to provide comprehensive credit underwriting.
The preferred location for the Senior Credit Officer role is Mahomet, Illinois; however, other locations may be considered.
Responsibilities/Duties
Apply underwriting principles using the 5 C's (character, capacity, capital, collateral, conditions) to assess creditworthiness.
Perform financial projections and ratio analysis to ensure compliance with lending standards or identify offsetting assets.
Evaluate risk exposure through risk rating and loss-given-default assignments; determine eligibility and financing scope.
Prepare detailed credit narratives highlighting trends, strengths, weaknesses, and adherence to lending standards.
Conduct comprehensive credit analysis by reviewing loan applications, verifying data accuracy, and adjusting financials for asset values and debt.
Assign loan covenants and develop servicing plans, including handling Troubled Debt Restructures (TDR).
Provide credit expertise and training to loan officers, branch staff, and occasionally large audiences; assist with approvals within delegated authority.
Participate in Loan Committees to review, structure, and approve or deny loans based on risk-benefit analysis.
Monitor industry trends and macroeconomic forecasts to assess potential impacts on underwriting and portfolio risk.
Ensure data security and confidentiality for association systems and client information.
Required Skills
Expert knowledge of credit analysis and regulatory requirements
Oral and written communication skills, sufficient to exchange information effectively with peers, leaders, and customers
Skill in balancing logic and intuition to make sound decisions in a timely manner
Skill in differentiating significant and insignificant details
Working knowledge of Excel sufficient to create, update and save a variety of documents
General knowledge of production agriculture
General knowledge of finance and macroeconomics
Skill in utilizing technology to increase efficiency
Required Qualifications
Bachelor's degree in finance, agriculture, business or related field
5 years of related experience in credit analysis or underwriting
Or equivalent education, experience, and skillset sufficient to perform the essential functions of the job.
To apply please click on APPLY TO THIS POSITION
Job Post Date: 10/29/25
Follow Company Alert×
By Creating a follow company alert, you will receive alerts once per day when this company or any other company you are following posts new jobs.
Provide your information below to setup an alert.
×
Follow Company Alert Saved
Company alert saved for .
Company alert(s) will be sent to .
Alerts for the companies you are following will be sent once daily as new jobs are posted.
Follow Company Alert×
Follow Company Alert Saved
Follow Company Alert