Credit Analyst Cooperative Financial Services, LLC - 4.0 Decatur, AL Job Details Full-time $50,000 - $100,000 a year 1 day ago Benefits Health savings account Health insurance Dental insurance 401(k) Flexible spending account Tuition reimbursement Paid time off Parental leave Employee assistance program Vision insurance 401(k) matching Life insurance Retirement plan Qualifications Teamwork Underwriting Attention to detail Relationship management Data collection Full Job Description Summary CFS is seeking a Credit Analyst to assist with underwriting and credit evaluation of applicants in the company's accounts receivable financing division. The primary responsibilities of this position will be to evaluate creditworthiness, document credit decisions, and maintain credit files. This full-time position is located onsite at the CFS headquarters in Decatur, AL. The position will report to the Director of Credit, and will work closely with the credit, lending, and collections staff. Company Background CFS is a wholly owned subsidiary of Alabama Farmers Cooperative, Inc. ("AFC") that was organized in 1993 to provide financing services to AFC member cooperatives and their patrons. CFS was established to be the "internal bank" for AFC member cooperatives, providing them a convenient, patronage based, lender to meet their financing needs. CFS's primary business operations consist of originating seasonal revolving loans, term loans, and accounts receivable financing. As of FYE2026 The Company's loan volume consists of approximately $120 million with continued plans for growth in the coming years. Historically, the sole business of CFS was direct lending to AFC members. This includes seasonal operating loans necessary to finance a member's operations or term loans to finance capital projects. Beginning in the fall of 2022 the business was expanded to offer patrons of AFC member cooperatives a new solution to finance their farm input purchases from their respective AFC member cooperative locations. The new line of business has created substantial value for AFC and its members. Specifically, this new service has helped solve one of the biggest challenges that the members face - managing cash flow in a very seasonal industry such as agriculture. Additionally, the business is patronage based, such that the members who use the service will receive patronage refunds annually, which substantially reduces the ultimate cost of the program. It is the lowest cost alternative the stores have while at the same time providing AFC with a new source of revenue and earnings within our core business. CFS has experienced significant growth since establishing the new line of business and growth is expected to continue with key software upgrades set to be complete during FY27.

Primary Responsibilities:

• Underwrite the origination and renewal of credit.
• Review and recommend decision on revolving and special terms credit applications as assigned.
• Ensure applications are complete.
• Ensure all necessary information is received and documented based on the amount of credit requested.
• Spread, analyze, and use customer financial statements to support credit decisions.
• Use consumer credit bureau reports (CBR), Dun & Bradstreet reports, and ICE National Agriculture Retail database reports to support credit decisions.
• Obtain credit references on applicants to support credit decisions.
• Determine and document appropriate client risk ratings.
• Know and follow the credit policies and procedures of CFS.
• Obtain the necessary credit approval based on the size of the request.
• Document and support credit decisions.
• Maintain client credit files.
• Know and use CrediFunds and Merchant Ag software to help manage credit portfolio.
• Communicate clearly and effectively with senior staff as needed.
• Occasional weekend and after-hours responsibilities.
• Other duties as assigned.

Preferred Qualifications:

• Bachelor's degree in accounting, Finance, Statistics, Economics, Business Administration, or related field.
• 1+ year(s) of experience in finance/accounting. The ideal candidate also has experience underwriting agriculture credit.
• Other relevant backgrounds will be considered. Knowledge, Skills, & Abilities
• Comfortable working with minimal supervision and using technology to communicate with and be trained by others.
• Comfortable working and communicating with employees at all levels in geographically dispersed business operations
• Excellent interpersonal skills; ability to develop and maintain external relationships with customers, financial institutions, trade groups, external financing vendors, and others as required
• Analytical skills to effectively analyze data, make appropriate conclusions, and provide useful and insightful recommendations
• Excellent written and verbal communication skills
• Excellent organizational skills
• Proficient with MS Office tools, including MS Word, Excel, Outlook, and PowerPoint
• Valid driver's license; must be able to meet a Motor Vehicle Review in accordance with Company policy Work Environment
• While performing the duties of this job, the employee regularly works in an office setting.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular use of the telephone and e-mail for communication is essential. Sitting for extended periods and the use of hands to finger is common. Hearing and vision within normal ranges is helpful for normal conversations, to receive ordinary information and to prepare or inspect documents. No heavy lifting is expected. Exertion of up to 10 lbs. of force may occasionally be required. While performing the duties of this job, good manual dexterity for the use of common office equipment such as computer terminals, calculator, and copiers is needed.

Pay:

$50,000.00 - $100,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Parental leave Retirement plan Tuition reimbursement Vision insurance

Work Location:

In person