Agricultural Credit Review Specialist 4

U.S. Bank

1d • Onsite

About The Position

Responsible for conducting agricultural credit analyses, including gathering, analyzing, and interpreting financial and operational credit information on existing and prospective farm, ranch, and agribusiness customers and portfolios. The data collected may include farm financial statements, tax returns (including Schedule F), cash flow projections, depreciation schedules, collateral valuations (land, livestock, equipment), credit reports, commodity and market data, and industry and regional agricultural research. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Prepares and presents agricultural credit analyses and recommendations to person(s) responsible for making lending decisions on new, renewal, and extension loans, including operating lines, equipment, real estate, and other agribusiness financing. In some areas, this position may make credit decisions in a high-volume production environment. Monitors customer accounts and agricultural loan portfolios to identify potential issues related to cash flow volatility, commodity price fluctuations, weather impacts, and operational risk, thereby maximizing credit quality and minimizing the company’s credit risk and potential loss. Sets up and maintains databases used to analyze agricultural accounts and/or portfolios. Prepares and presents credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information relative to agricultural credit inquiries to appropriate parties.

Requirements

• Bachelor's degree, or equivalent work experience
• Typically three or more years of related experience
• Well-developed agricultural credit analysis and financial analytical skills
• Thorough knowledge of agricultural lending practices, credit administration, policies, and procedures
• Strong understanding of farm economics, accounting, and finance
• Good knowledge of agricultural risk analysis, including commodity, production, and market risks
• Effective technical credit memorandum and report writing skills
• Effective verbal and written communication skills

Responsibilities

• Conducting agricultural credit analyses, including gathering, analyzing, and interpreting financial and operational credit information on existing and prospective farm, ranch, and agribusiness customers and portfolios.
• Inputting data gathered into tracking and/or reporting computer systems and/or databases.
• Preparing and presenting agricultural credit analyses and recommendations to person(s) responsible for making lending decisions on new, renewal, and extension loans, including operating lines, equipment, real estate, and other agribusiness financing.
• Making credit decisions in a high-volume production environment (in some areas).
• Monitoring customer accounts and agricultural loan portfolios to identify potential issues related to cash flow volatility, commodity price fluctuations, weather impacts, and operational risk, thereby maximizing credit quality and minimizing the company’s credit risk and potential loss.
• Setting up and maintaining databases used to analyze agricultural accounts and/or portfolios.
• Preparing and presenting credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios.
• Furnishing information relative to agricultural credit inquiries to appropriate parties.

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
• Number of Employees: 5,001-10,000 employees