Agricultural Credit Analyst, Levels

Responsibilities

• Providing credit analysis and portfolio support for agricultural and agribusiness clients.
• Analyzing financial information to support credit decisions, monitor risk, and ensure compliance with bank policy and regulatory standards.
• Supporting Relationship Managers and Credit Officers by preparing financial spreads, cash flow analysis, collateral evaluations, and credit memorandums.
• Developing an understanding of agricultural production cycles, commodity markets, and seasonal cash flow patterns.
• Working collaboratively with relationship teams to address credit questions, covenant monitoring, and portfolio reviews.

• Bachelor’s degree, or equivalent underwriting experience
• Typically one or more years of underwriting experience (for Credit Analyst
  4)
• Typically three or more years of underwriting experience (for Credit Analyst
  5)
• 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
• Proficient in Microsoft Office and financial systems
• Master’s degree or CPA preferred