Effingham - Credit Analyst

Location

2900 N 3rd St, Effingham, IL 62401

Reports to

VP of Credit and Finance

Salary

$65,000 - $95,000 annually

Key Responsibilities

• Follow all company and personnel policies
• Accountable to uphold the credit policy established by the Board of Directors
• Analyze customer financial statements, collateral positions and credit references to determine customer credit worthiness and repayment capacity
• Advise VP of Credit and Finance concerning approval of new accounts and past due accounts5. Utilize ERP, credit reporting, and financial analysis software to evaluate risk and monitor customer performance
• Flag potential credit issues with current accounts and recommend actions to mitigate risk
• Facilitate credit planning and operational loan management with Equity customers
• Negotiate payment arrangements, collateral protection strategies, and workout agreements for distressed accounts
• Coordinate with legal counsel, management, and outside agencies regarding collections, bankruptcies, liens, judgements, and litigation matters

Required Knowledge, Skills, and Leadership Characteristics

• BS Degree Finance, Accounting, Economics, or a related field is preferred
• Minimum five years of experience
• Strong analytical and problem-solving skills
• Proficient in Microsoft Office including Excel, Outlook and Word
• Must possess excellent communication and organizational skills
• Knowledge of agricultural production economics and farm financial statements

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers and filing cabinets. The nature of the business may require extended hours.

Physical Demands

While performing the duties of this job, the employee is regularly required to speak and listen. The position requires the ability to occasionally lift office products and supplies up to 20 pounds.

Travel

The employee may be required to travel to other facilities in The Equity trade area, conferences, educational opportunities, and other job-related activities.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time.

Date Posted

07/08/2026

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Who is The Equity?

The Equity is an independent ag cooperative headquartered in Effingham, Illinois and has over 600 employees. Our market area currently includes 22 locations and covers central Illinois and southwest Indiana. The Equity has five divisions including: Agronomy, Grain, Feed & Livestock, Energy, and two Retail Stores, plus a Precision Agronomy dealership as well as a cutting-edge drone sprayer business. The Equity’s mission is to deliver value to our customers through operational excellence, providing information, exploring opportunities, and supporting profitable roles for producers. 

Benefits Overview

• Paid vacation, 6 days Paid Time for All, 8 paid holidays, 3 paid floating holidays
• 401k match up to 6%
• One week paid Parental Leave
• Referral Program
• Company Incentive Program
• Medical, dental, and vision
• Paid Life insurance and long-term disability insurance

Effingham Equity shall not be liable for, shall not pay, and expressly rejects and disclaims any and all responsibility or liability for any commission, expense, fee or cost claimed or charged by any recruitment or employment agency, firm, or company in connection with the employment of any candidate selected by Effingham Equity for the position described above unless a written contract is executed by Effingham Equity and such employment agency, firm or company before Effingham Equity makes an offer of employment to such candidate.