Hybrid Agricultural Credit Analyst – Multiple Levels

at U.S. Bank

• Job title: Agricultural Credit Analyst – Multiple Levels
• Job type: Full Time
• Experience level: Junior, Mid level
• Salary: $81,900 - $109,200 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Minneapolis, United States

About the role

• Responsible for credit analysis and portfolio support for agricultural clients at U.S. Bank. Analyze financial information and collaborate with Relationship Managers to manage loans and mitigate risks.

Responsibilities

• 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.
• 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.

Requirements

• Bachelor's degree, or equivalent work experience
• Typically two or more years of related 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

Benefits

• 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