U.S. Bank

Agricultural Credit Analyst – Multiple Levels

U.S. Bank

full-time

Posted on:

Location Type: Hybrid

Location: Minneapolis • Minnesota • Washington • United States

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Salary

💰 $81,900 - $109,200 per year

About the role

  • 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.
  • 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
  • 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
  • Proficiency with financial spreading tools and credit systems
  • Background or education in agriculture or agribusiness strongly preferred
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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisfinancial analysiscash flow analysiscollateral evaluationfinancial spreadingagricultural financial statementsrisk assessmentportfolio managementagricultural lendingcovenant monitoring
Soft Skills
analytical skillsorganizational skillswritten communicationcollaborationindependence