Agricultural Credit Analyst (Multiple Levels)

U.S. Bank • Minneapolis, MN

1d • $81,900 - $109,200 • Hybrid

About The Position

Responsible for providing credit analysis and portfolio support for agricultural and agribusiness clients. Analyzes financial information to support credit decisions, monitor risk, and ensure compliance with bank policy and regulatory standards across an agricultural loan portfolio. Supports Relationship Managers and Credit Officers by preparing financial spreads, cash flow analysis, collateral evaluations, and credit memorandums for new loan requests, renewals, modifications, and ongoing portfolio management. Loan exposure may include operating lines of credit, term loans, real estate‑secured loans, equipment financing, and other agriculture‑specific credit products. Develops an understanding of agricultural production cycles, commodity markets, and seasonal cash flow patterns, and applies this knowledge when assessing borrower repayment capacity and risk. Works collaboratively with relationship teams to address credit questions, covenant monitoring, and portfolio reviews.

Requirements

• Bachelor's degree, or equivalent work experience
• Typically two or more years of related experience (for Credit Review Specialist 3)
• Typically one or more years of underwriting experience (for Agricultural Credit Analyst 4)
• Typically three or more years of underwriting experience (for Agricultural Credit Analyst 5)
• Proficiency with financial spreading tools and credit systems

Nice To Haves

• Knowledge of agricultural lending and agribusiness operations, including crop and livestock production, ag real estate, and equipment financing
• Experience spreading and analyzing agricultural financial statements, including tax returns and cash‑flow‑based borrowing capacity
• Understanding of collateral structures common in ag lending (real estate, equipment, livestock, crops, and government program payments)
• Familiarity with credit policy, risk ratings, covenant monitoring, and portfolio management practices
• Strong analytical, organizational, and written communication skills
• Ability to work independently while collaborating closely with Relationship Managers and Credit Officers
• Background or education in agriculture or agribusiness strongly preferred

Responsibilities

• Analyze financial information to support credit decisions, monitor risk, and ensure compliance with bank policy and regulatory standards.
• Prepare financial spreads, cash flow analysis, collateral evaluations, and credit memorandums for new loan requests, renewals, modifications, and ongoing portfolio management.
• Develop an understanding of agricultural production cycles, commodity markets, and seasonal cash flow patterns.
• Assess borrower repayment capacity and risk.
• Collaborate with relationship teams to address credit questions, covenant monitoring, and portfolio reviews.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level