Director of Credit

Mad Capital is a boutique private credit firm focused on providing financing solutions to the next generation of U.S. agriculture. We manage credit funds that serve organic and transitioning row crop producers in the Midwest and Great Plains, regenerative livestock operators in the Mountain West and Southwest, and organic processing and storage infrastructure nationwide. Our approach combines disciplined underwriting with deep sector expertise to deliver capital that supports both borrower success and strong investor outcomes.

Role Overview

We are seeking an experienced Director of Credit with a strong background in agricultural lending to perform underwriting and credit management across Mad Capital’s lending platform. The Director of Credit will be responsible for assessing and structuring loans with rigor, accuracy, and speed, drawing on deep financial analysis and sector expertise. The ideal candidate is comfortable with transactions ranging from simple $250k retail loans to complex, highly bespoke $10M middle-market loans, and is capable of building robust multi-year financial models from scratch using fundamental data such as yield and price projections. 

Beyond underwriting, this individual will refine and scale Mad Capital’s credit processes, incorporating new technologies, automation, and data sources to strengthen decision-making and risk oversight. This individual will work closely with our investment, operations, and finance teams to ensure loans are originated and closed, serviced, and managed with integrity and precision.

Underwriting Agricultural Loans

• Underwrite agricultural loans, ensuring disciplined, accurate, and timely assessments. 
• Collect, verify, and analyze borrower financial data, including balance sheets, tax returns, and cash flow statements. We do not scorecard loans; we fully underwrite each transaction. 
• Develop credit analyses, identify risks and mitigants, and recommend structures aligned with borrower needs and portfolio strategy.
• Present underwriting recommendations to internal committees and contribute to credit approval decisions.

Loan Coordination

• Collaborate with sales and portfolio management teams throughout the application and approval process.
• Provide guidance on credit conditions and requirements, and ensure clear communication across internal stakeholders and with borrowers.

Team & Credit Platform Growth

• Refine Mad Capital’s credit assessment framework to ensure efficiency, consistency, and scalability. Develop playbooks and best practices for underwriting and borrower engagement.
• Integrate new technologies, automation, and data sources to strengthen underwriting and risk management.
• Contribute to the long-term strategy of Mad Capital by shaping the firm’s credit culture and lending practices.

• 7+ years of experience in agricultural lending.
• Strong competency in complex Excel modeling.
• Demonstrated ability to underwrite at scale.
• Expertise in loan documentation, structuring, credit analysis, and servicing.
• Deep commitment to disciplined credit practices and long-term portfolio health.

• Alignment with Mad Capital’s mission of financing organic and regenerative agriculture

• $125,000-$150,000 annual salary plus stock options. Final compensation will be determined based on experience, qualifications, and internal equity.
• Fully covered employee health insurance, and 50% for dependents. Dental and vision are available. 
• 401(k) with 3% employer match.
• $5,000/year health and wellness budget.
• Generous paid time off and parental leave policies.

Commitment to Diversity, Equity, and Inclusion

Mad Capital is committed to building a diverse and inclusive team. We believe that varied perspectives, lived experiences, and identities make us stronger and more effective. We welcome applicants of all backgrounds, including but not limited to race, ethnicity, gender identity, sexual orientation, disability, age, and veteran status.