Agricultural Credit Analyst (Multiple Levels)

Job Title Responsible for providing credit analysis and portfolio support for agricultural and agribusiness clients. Analyzes financial information to support credit decisions, monitor risk, and ensure compliance with bank policy and regulatory standards across an agricultural loan portfolio. 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. Loan exposure may include operating lines of credit, term loans, real estate-secured loans, equipment financing, and other agriculture-specific credit products. 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. Credit Review Specialist 3Bachelor's degree, or equivalent work experienceTypically two or more years of related experienceAgricultural Credit Analyst 4Bachelor's degree, or equivalent underwriting experienceTypically one or more years of underwriting experienceAgricultural Credit Analyst 5Bachelor's degree, or equivalent underwriting experienceTypically three or more years of underwriting experience Preferred Skills / Experience Knowledge of agricultural lending and agribusiness operations, including crop and livestock production, ag real estate, and equipment financing Experience spreading and analyzing agricultural financial statements, including tax returns and cash-flow-based borrowing capacity Understanding of collateral structures common in ag lending (real estate, equipment, livestock, crops, and government program payments) Familiarity with credit policy, risk ratings, covenant monitoring, and portfolio management practices Strong analytical, organizational, and written communication skills Ability to work independently while collaborating closely with Relationship Managers and Credit Officers Proficiency with financial spreading tools and credit systems Background or education in agriculture or agribusiness strongly preferred This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawU.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements).