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U.S. Bank

Agricultural Credit Analyst, Multiple Levels

U.S. Bank

. Provide credit analysis and portfolio support for agricultural and agribusiness clients .

Posted 9/30/2026full-timeMinneapolis • Minnesota • United StatesJunior💰 $81,900 - $109,200 per yearWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in agricultural credit analysis, including financial statement evaluation, risk assessment, and compliance with regulatory standards. Proficient in collaborating with relationship teams to support loan management and portfolio oversight.

Highest-signal resume keywords
Agricultural Lending KnowledgeFinancial Statement AnalysisCredit Risk AssessmentPortfolio Management PracticesAnalytical Skills

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Credit AnalysisFinancial SpreadingCash Flow AnalysisCollateral EvaluationUnderwriting ExperienceRisk RatingsCovenant MonitoringLoan ManagementAgricultural Financial StatementsCompliance Standards
Soft Skills
Organizational SkillsWritten Communication SkillsIndependent WorkCollaboration
Tools & Technologies
Financial Spreading ToolsCredit Systems
Certifications & Qualifications
Credit Review SpecialistFINRA RegistrationNMLS Registration
Industry Keywords
AgribusinessAgricultural Production CyclesCommodity MarketsSeasonal Cash Flow PatternsAg Real EstateEquipment FinancingCrop ProductionLivestock ProductionGovernment Program PaymentsBank Secrecy Act

About the role

Key responsibilities & impact
  • 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
  • Support Relationship Managers and Credit Officers by preparing financial spreads, cash flow analysis, collateral evaluations, and credit memorandums
  • Support new loan requests, renewals, modifications, and ongoing portfolio management
  • Assess operating lines of credit, term loans, real estate-secured loans, equipment financing, and other agriculture-specific credit products
  • Develop understanding of agricultural production cycles, commodity markets, and seasonal cash flow patterns
  • Assess borrower repayment capacity and risk
  • Collaborate with relationship teams to address credit questions, covenant monitoring, and portfolio reviews

Requirements

What you’ll need
  • Bachelor's degree, or equivalent work experience
  • Credit Review Specialist 3: 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 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
  • 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
  • Certain positions may be subject to 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

Benefits

Comp & perks
  • 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
  • Incentive and recognition programs
  • Equity stock purchase
  • 401(k) contribution and pension