Credit Analyst – Agricultural & Commercial

Responsibilities

• Analyze commercial and agricultural loan requests by reviewing financial statements, tax returns, production histories, collateral values, credit information, and repayment capacity to determine feasibility of granting credit.
• Apply financial accounting principles to independently analyze credit relationships, determine cash flow, and generate financial ratios that evaluate the customer’s financial condition.
• Prepare credit presentations, analyses, summaries, and narrative reports to support sound loan structure and credit decisioning.
• Complete annual reviews by analyzing updated financial information, collateral, covenant compliance, and overall credit quality to support ongoing risk assessment and loan servicing.
• Assist with covenant tracking, loan exceptions monitoring, and follow‑up on required financial reporting.
• Support loan renewals, modifications, and annual review processes by gathering documentation and updating credit files.
• Support internal audits, loan reviews, and regulatory examinations by preparing accurate and timely credit information.

• Accounting background or minimum of 2 years of agricultural credit analysis.
• Bachelor's Degree with emphasis in Business, Finance and Accounting or two or more years of agricultural credit analysis, commercial lending, agricultural lending, or related banking experience preferred.
• Relevant coursework or training in accounting, agricultural economics, finance, or business analysis is preferred; an equivalent combination of education and experience may be considered.
• Strong analytical and problem‑solving skills with the ability to identify credit strengths, weaknesses, and emerging risks.
• Ability to interpret financial statements, tax returns, and borrowing base information and present findings clearly to lenders and management.
• Knowledge of agricultural lending practices, farm operating cycles, and collateral considerations related to crops, livestock, equipment, and real estate.
• Knowledge of the terms and vocabulary associated with loan documents.
• Working knowledge of credit underwriting, loan policy, financial statement spreading, and applicable banking regulations and compliance requirements.
• General knowledge of all bank products and services.
• Intermediate to advanced knowledge of Excel.