Ag Credit Analyst: Farm Loan Risk & Insights

First National Bank in Sioux Falls; Sioux Falls (SD); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

Health Insurance

Profit Sharing

Paid Vacation & Holidays

Company paid short and long term(dis)

Job summary

The First National Bank in Sioux Falls is seeking an Ag Credit Analyst to evaluate risks of agricultural loan requests, gather data, and prepare detailed reports for loan committees, applying agricultural credit expertise and collaborating with loan officers and senior management. This role supports policy compliance, identifies suitable credit structures, and may involve site inspections.

It also contributes to presentations for committees and partners across the bank, reflecting FIRST Values

Qualifications

• Experience evaluating credit risk for agricultural loans.
• Ability to prepare detailed written credit reports.
• Proficiency with financial spreads and underwriting standards.
• Excellent communication and collaboration skills.

Responsibilities

• Spread financial data into financial statements and underwriting reports using bank software.
• Analyze creditworthiness by preparing written findings on loans, including cash flow and ratio analysis.
• Independently evaluate complex loan requests per underwriting standards and regulatory requirements.
• Complete underwriting tasks such as Farmer Mac or FSA as needed.
• Monitor loans to assess risk post-booking and conduct covenant monitoring.
• Provide mentoring and guidance to analysts and interns; collaborate with loan officers and Real Estate Specialist.

Skills

Analytical skills

Credit underwriting

Financial statement analysis

Written reports

Communication skills

Mentoring/training

Independent work

Tools

Bank software

Farmer Mac

FSA

Job description

The First National Bank in Sioux Falls is seeking an Ag Credit Analyst to evaluate risks of agricultural loan requests, gather data, and prepare detailed reports for loan committees, applying agricultural credit expertise and collaborating with loan officers and senior management. This role supports policy compliance, identifies suitable credit structures, and may involve site inspections.

It also contributes to presentations for committees and partners across the bank, reflecting FIRST Values