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.

Credit Review Specialist 3 Bachelor's degree, or equivalent work experience Typically two or more years of related experience
Agricultural Credit Analyst 4 Bachelor’s degree, or equivalent underwriting experience Typically one or more years of underwriting experience
Agricultural Credit Analyst 5 Bachelor’s degree, or equivalent underwriting experience Typically three or more years of underwriting 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

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

Agricultural Credit Analyst, Multiple Levels

Key skills