Agricultural Credit Analyst - Farm Credit

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.

Location: Hybrid on site at least three days per week.

Pay Range: $80,00.00 - $

Job Description

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.

Qualifications and Skills:

Credit Review Specialist 3

• Bachelor’s degree, or equivalent work experience
• Two or more years of related experience

Agricultural Credit Analyst 4

• Bachelor’s degree, or equivalent underwriting experience
• One or more years of underwriting experience

Agricultural Credit Analyst 5

• Bachelor’s degree, or equivalent underwriting experience
• Three or more years of underwriting experience

Preferred Skills / 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

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• 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

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA).

In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

If you require accommodations during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

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.