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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

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit analysis and portfolio management for agricultural clients, with a strong understanding of agricultural lending practices and financial analysis. Proficient in evaluating borrower repayment capacity and risk while ensuring compliance with regulatory standards.

Highest-signal resume keywords
Credit AnalysisAgricultural LendingFinancial SpreadingRisk AssessmentPortfolio Management

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
Financial AnalysisCash Flow AnalysisCollateral EvaluationCredit Memorandum PreparationUnderwriting ExperienceAgricultural Financial Statement AnalysisCredit Policy FamiliarityCovenant MonitoringRisk RatingAgricultural Production Knowledge
Soft Skills
Analytical SkillsOrganizational SkillsWritten Communication SkillsCollaboration
Tools & Technologies
Financial Spreading ToolsCredit Systems
Industry Keywords
AgribusinessCrop ProductionLivestock ProductionAg Real EstateEquipment FinancingGovernment Program Payments

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
  • Apply agricultural and market knowledge when assessing 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
  • Typically two or more years of related experience (Credit Review Specialist 3)
  • Bachelor’s degree, or equivalent underwriting experience (Agricultural Credit Analyst 4)
  • Typically one or more years of underwriting experience (Agricultural Credit Analyst 4)
  • Bachelor’s degree, or equivalent underwriting experience (Agricultural Credit Analyst 5)
  • Typically three or more years of underwriting experience (Agricultural Credit Analyst 5)
  • 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, including 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

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