Job DescriptionResponsible 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 estatesecured loans, equipment financing, and other agriculturespecific 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.
This active posting is for a Agricultural Credit Analyst role: Credit Analyst 4 & Credit Analyst 5.
Below are the basic qualifications and preferred experience for each level of role.Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting.
Basic Qualifications
Agricultural Credit Analyst 4
Bachelors degree, or equivalent underwriting experience
Typically one or more years of underwriting experience
Agricultural Credit Analyst 5
Bachelors degree, or equivalent underwriting experience
Typically three or more years of underwriting experience
Preferred Skills/Experience
Strong agricultural credit analysis and analytical skills
Knowledge of ag credit practices, underwriting, and risk assessment
Background in agricultural economics, accounting, or finance
Ability to write clear credit summaries and reports
Strong communication skills with agricultural clients
Proficient in Microsoft Office and financial systems
Masters degree or CPA preferred
Benefits:
Our approach to benefits and total rewards considers our team memberswhole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
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
Review our full benefits available by employment status here.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $86,360.00 - $101,600.00
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
