Credit Analyst

Sulphur Springs, Texas

March 22, 2024

Full Time

Assists loan officers in the analysis, servicing, and reporting of the association’s mortgage and commercial loans. Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision.

Company Profile


Legacy Ag Credit, ACA is headquartered in Sulphur Springs and has five offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, and Longview. As part of the Farm Credit System for more than 100 years Legacy Ag Credit is a rural agricultural lender and a private cooperative, focused on financing farms, timberland, recreational property, agribusiness firms and rural homes.

Education and Experience Requirements

Bachelor’s degree in Accounting, Finance, Business Administration or a related field, or equivalent experience and two (2) to four (4) years of experience in general bookkeeping or the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications.

Essential Functions

  • Assists loan officers in the analysis, servicing, and reporting of the association's mortgage and commercial loans.  Works directly with lending staff in the development of appropriate credit decision and prepares other reports as requested by management.
  • Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages.  Determines probability of default (PD) ratings as appropriate and make recommendations for approval or denial of loan.
  • Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures.
  • Reviews and approves loans submitted by other lending staff that exceed their delegated authority.
  • Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper.
  • Complies with proper credit administration practices as outlined in the associations policies and procedures.
  • Assists senior-level credit analysts with complex loan applications as necessary.


Skill Requirements:

General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to perform intermediate-level accounting and financial analyses under moderate supervision.



Our comprehensive benefit program includes, but is not limited to:

  • An outstanding company-wide incentive program
  • Accommodating and flexible vacation and sick leave
  • 10-12 paid holidays per year
  • 401(k) plan with up to a 9% employer contribution/match
  • Affordable health, dental, and vision plans
  • Employer paid life insurance and disability
  • Tuition reimbursement

To Apply

To be considered for this position, please email or fax your resume and salary history to the following:

Legacy Ag Credit, ACA
ATTN: Sherry Sturgis, Senior Vice President/Chief Administrative Officer
303 Connally
Sulphur Springs, TX 75482

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.