Agriculture Credit Analyst I (40471)

SECURITY FINANCIAL BANK•Eau Claire, WI

7d•Onsite

About The Position

Security Financial Bank (SFB) is seeking an Agriculture Credit Analyst to support our agricultural lending teams. This role is heavily focused on agricultural credit analysis, working closely with relationship managers to evaluate farm operations, agribusinesses, and rural enterprises. The analyst plays a key role in assessing creditworthiness, understanding agricultural production cycles, and supporting sound lending decisions that strengthen both our customers and our communities. This position is an in-office role based out of the corporate location in Eau Claire, WI. Candidates with experience or education related to agriculture, ag finance, or agricultural lending are encouraged to apply. Why Join Us: At SFB, we don’t just talk about relationship banking — we live it. We pride ourselves on delivering exceptional service and building lasting partnerships with our clients and teammates. When you join SFB, you become part of a team that offers: A consistent, daytime schedule A supportive, inclusive culture that recognizes your contributions Paid training and professional development opportunities Tuition support for finance/banking courses and certifications Comprehensive benefit package Paid volunteer time off & more! Position Summary: As an Agriculture Credit Analyst, your work will be centered on agricultural lending and include:

Requirements

Bachelor’s degree in Finance, Accounting, Agribusiness, Agricultural Economics, or a related field preferred
Prior experience in agricultural credit analysis, agricultural lending, farm management, or agribusiness strongly desired
Strong understanding of agricultural financial statements, cash flow analysis, and farm tax returns
Knowledge of agricultural production cycles, commodity markets, and common farm business structures
Ability to assess debt serviceability and creditworthiness for farm and ag-related operations with moderate to complex structures
Familiarity with agricultural loan types, including operating lines, equipment loans, farmland financing, and ag real estate
Strong analytical and problem-solving skills with attention to detail
Effective written and verbal communication skills
Proficiency in Microsoft Word, Excel, and spreadsheet-based financial analysis
Ability to work independently and collaboratively as part of a team
Ability to exercise sound judgment and maintain confidentiality

Nice To Haves

Experience with SageWorks analysis software and Jack Henry core systems is a plus

Responsibilities

Spreading and analyzing agricultural financial information, including farm financial statements, tax returns, cash flow projections, livestock and crop-related income, and pro-forma financial statements
Evaluating agricultural operations and agribusinesses to determine overall credit risk and appropriate risk ratings in accordance with bank policy
Preparing detailed loan presentations that reflect ag-specific risks, including production cycles, commodity price volatility, input costs, and market conditions
Analyzing collateral structures related to agriculture, such as farmland, livestock, equipment, and ag real estate
Supporting Relationship Managers with annual reviews, technical exception monitoring, and adverse action processes for agricultural relationships
Staying current on agricultural industry trends, economic conditions, and SWOT factors that may impact farm customers and the bank’s ag loan portfolio
Working collaboratively with internal teams to ensure compliant, timely, and well-structured agricultural credits