Agriculture Credit Analyst

Position: Agriculture Credit Analyst I
Agriculture Credit Focus | Relationship Banking Security Financial Bank (SFB) is seeking an Agriculture Credit Analyst to support our agricultural lending teams. This role is 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 is an opportunity for a financially skilled professional to build specialized expertise in agricultural credit and lending. Candidates with strong backgrounds in financial analysis, accounting, credit or commercial banking who are interested in developing expertise in agricultural lending are encouraged to apply. Previous agricultural credit experience is helpful but not required.

This position is an in-office role based out of the corporate location in Eau Claire, WI.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 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:

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

What We’re Looking For:

Education & Experience Bachelor’s degree in Finance, Accounting, Agribusiness, Agricultural Economics, or a related field preferred

Prior experience in credit analysis, financial analysis, accounting, commercial lending, or a related financial field is strongly desired. Previous agricultural credit experience is helpful but not required

Knowledge & Skills Demonstrated ability to independently analyze balance sheets and income statements

Strong understanding of cash flow and debt-service capacity

Experience reviewing and analyzing business and/or individual tax returns to understand financial performance and cash flow Ability to identify financial trends, risks and factors impacting creditworthiness

Strong analytical and problem-solving skills with attention to detail

Proficiency in Excel and spreadsheet-based financial analysis

Agriculture Knowledge & Interest Interest in developing knowledge of agricultural operations, production cycles, commodity markets and farm business structures

Ability and willingness to learn agricultural loan structures and collateral, including operating lines, equipment, livestock, farmland and agricultural real estate

Working conditions, including physical requirements:

This position is an in-office position that is performed largely within the Bank with limited chance of personal injury.

Frequent mental and visual concentration required in managing deadlines and multiple priorities.

Work hours are generally daytime hours Monday–Friday.

Periodic…