Agricultural Credit Analyst - Portfolio & Risk Insight

U.S. Bank; Columbus (OH); On-site; USD 76,000 - 102,000; Full time

Benefits offered by this job

Healthcare

401(k) plan

Paid vacation

Paid holidays

Adoption assistance

Job summary

U.S. Bank is seeking an Agricultural Credit Analyst at levels 4 or 5 to analyze financial information and support credit decisions for agricultural and agribusiness clients.

You will prepare spreads, cash flow analyses, and credit memorandums, while collaborating with Relationship Managers and Credit Officers to monitor risk and portfolio quality. The role requires a degree or equivalent underwriting experience and 1–3+ years of underwriting, with preferred advanced degrees or CPA.

Qualifications

• Bachelor’s degree or equivalent underwriting experience.
• Typically one or more years of underwriting experience.
• Typically three or more years of underwriting experience.
• 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.

Responsibilities

• Analyze financial information to support credit decisions and monitor risk.
• Prepare financial spreads, cash flow analyses, collateral evaluations, and credit memorandums.
• Assess borrower repayment capacity and risk considering agricultural cycles.
• Collaborate with relationship teams on covenant monitoring and portfolio reviews.

Skills

Agricultural credit analysis

Ag credit practices

Agricultural economics

Credit reporting

Communication with clients

MS Office / financial systems

Masters or CPA preferred

Education

Bachelor's degree or equivalent underwriting experience

Tools

Microsoft Office

Financial systems

Job description

U.S. Bank is seeking an Agricultural Credit Analyst at levels 4 or 5 to analyze financial information and support credit decisions for agricultural and agribusiness clients.

You will prepare spreads, cash flow analyses, and credit memorandums, while collaborating with Relationship Managers and Credit Officers to monitor risk and portfolio quality. The role requires a degree or equivalent underwriting experience and 1–3+ years of underwriting, with preferred advanced degrees or CPA.