Agricultural Credit Analyst II: Underwriting & Portfolio

Wilbur-Ellis; Minneota (MN); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Annual bonus

Paid time off

Health insurance

Dental insurance

Vision insurance

Mental health support

401(k) with employer contribution

Job summary

Wilbur-Ellis in Minnesota seeks a Credit Analyst II to support Senior Credit Analyst and Credit Managers in underwriting large agricultural accounts, financial reporting, and accounts receivable management from origination through collection.

Responsibilities include analyzing financial statements and cash flow, drafting security documents, supporting collections, and contributing to portfolio risk management across the enterprise.

Qualifications

• 2+ years of credit analysis or related experience.
• Strong financial statement and cash flow analysis skills.
• Knowledge of credit underwriting and risk assessment.
• Analytical skills to interpret data and inform decisions.
• Familiarity with risk management practices and adherence to credit policy.
• Proficiency in Microsoft Office applications.

Responsibilities

• Evaluate repayment capacity and overall creditworthiness of potential and existing customers.
• Analyze borrower financial statements, tax returns, balance sheets, income statements, and cash flow reports.
• Draft security agreements and UCC-1 filings and perform lien priority analysis in accordance with UCC rules.
• Support collections efforts by identifying and analyzing assets tied to past-due accounts.
• Assist Credit Specialists as needed by analyzing data and reports.
• Communicate regularly with Credit Managers and the Director of Credit and Financing.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Underwriting

Risk assessment

MS Office

Education

Bachelor’s degree in finance, accounting, business, or agriculture-related field

Tools

Microsoft Excel

Outlook

Word

Job description

Wilbur-Ellis in Minnesota seeks a Credit Analyst II to support Senior Credit Analyst and Credit Managers in underwriting large agricultural accounts, financial reporting, and accounts receivable management from origination through collection.

Responsibilities include analyzing financial statements and cash flow, drafting security documents, supporting collections, and contributing to portfolio risk management across the enterprise.