Agricultural Credit Analyst; Levels

Job Overview

Spokane, Washington residents:
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U.S. Bank is seeking a Credit Analyst to provide credit analysis and portfolio support for agricultural and agribusiness clients.

• Analyze financial information to support credit decisions, monitor risk, and ensure compliance with bank policy and regulatory standards across an agricultural loan portfolio.
• Prepare financial spreads, cash‑flow analysis, collateral evaluations, and credit memorandums for new loan requests, renewals, modifications, and ongoing portfolio management.
• Monitor loan exposure, which may include operating lines of credit, term loans, real estate‑secured loans, equipment financing, and other agriculture‑specific credit products.
• Develop an understanding of agricultural production cycles, commodity markets, and seasonal cash‑flow patterns to assess borrower repayment capacity and risk.
• Collaborate 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 in 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.

This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.

• 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

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status, and other factors protected under applicable law.

U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program in all facilities located in the United States and certain U.S. territories.

Pay Range: $81,900.00 – $ (based on the primary location; actual range may differ by location).