Agricultural Credit Analyst: Portfolio & Risk Insights

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

Benefits offered by this job

Healthcare (medical, dental, vision)

Paid vacation

401(k) and retirement plan

Adoption assistance

Job summary

U.S. Bank is seeking an Agricultural Credit Analyst to provide credit analysis and portfolio support for an agribusiness loan portfolio. You will prepare financial spreads, cash flow analyses, collateral evaluations, and credit memorandums for new loans and modifications.

Role requires understanding of agricultural cycles, commodity markets, and the ability to write concise credit summaries while collaborating with Relationship Managers and Credit Officers.

Qualifications

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

Responsibilities

• Provide credit analysis and portfolio support for agricultural and agribusiness clients.
• Prepare financial spreads, cash flow analysis, collateral evaluations, and credit memorandums.
• Assess borrower repayment capacity and risk while ensuring compliance with bank policy.
• Collaborate with Relationship Managers and Credit Officers on portfolio reviews and covenant monitoring.
• Write clear credit summaries and reports for new loans, renewals, and modifications.

Skills

Agricultural credit analysis

Analytical skills

Credit risk assessment

Communication skills

Financial analysis

Microsoft Office

Financial systems

Education

Bachelor’s degree or equivalent underwriting experience

Master’s degree or CPA preferred

Tools

Microsoft Office

Financial systems

Job description

U.S. Bank is seeking an Agricultural Credit Analyst to provide credit analysis and portfolio support for an agribusiness loan portfolio. You will prepare financial spreads, cash flow analyses, collateral evaluations, and credit memorandums for new loans and modifications.

Role requires understanding of agricultural cycles, commodity markets, and the ability to write concise credit summaries while collaborating with Relationship Managers and Credit Officers.