Agricultural Credit Analyst (Multiple Levels)

Responsibilities

• Analyzes financial information to support credit decisions, monitor risk, and ensure compliance with bank policy and regulatory standards.
• 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

• 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.

Qualifications

• Strong agricultural credit analysis and analytical skills.
• Knowledge of ag credit practices, underwriting, and risk assessment.
• Background in agricultural economics, accounting, or finance.
• Ability to write clear credit summaries and reports.
• Strong communication skills with agricultural clients.
• Proficient in Microsoft Office and financial systems.
• Master’s degree or CPA 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
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Pay

$86,360.00 - $101,600.00 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. Posting may be closed earlier due to high volume of applicants.