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Agricultural Credit Analyst (Multiple Levels) – U.S. Bank, Minneapolis Hybrid
Support U.S. Bank’s agricultural and agribusiness lending portfolio through credit analysis, borrower financial review, collateral assessment, and risk evaluation. The role covers agriculture-focused credit requests and products across multiple experience levels.
संयुक्त राज्य
मिनेसोटा$81,900 – $1,09,200 / वर्ष
हाइब्रिडपूर्णकालिकजूनियरआवश्यक भाषा: अंग्रेज़ीविश्लेषकविवरण
- Analyze credit and manage portfolio support for agricultural and agribusiness borrowers
- Review financial information for credit decisions, risk monitoring, and compliance with bank policies and regulatory requirements
- Prepare financial spreads, cash-flow analyses, collateral assessments, and credit memorandums for Relationship Managers and Credit Officers
- Assist with new loan requests, renewals, modifications, and ongoing portfolio administration
- Evaluate operating lines, term loans, real estate-secured lending, equipment financing, and other agriculture-specific credit products
- Build knowledge of agricultural production cycles, commodity markets, and seasonal cash-flow trends
- Use agricultural and market expertise to evaluate repayment capacity and borrower risk
- Work with relationship teams on credit inquiries, covenant monitoring, and portfolio reviews
आवश्यकताएँ
- Bachelor’s degree or equivalent professional experience
- Typically two or more years of related experience for Credit Review Specialist 3
- Bachelor’s degree or equivalent underwriting experience for Agricultural Credit Analyst 4
- Typically one or more years of underwriting experience for Agricultural Credit Analyst 4
- Bachelor’s degree or equivalent underwriting experience for Agricultural Credit Analyst 5
- Typically three or more years of underwriting experience for Agricultural Credit Analyst 5
- Knowledge of agricultural lending and agribusiness operations, including crop and livestock production, agricultural real estate, and equipment financing
- Experience spreading and analyzing agricultural financial statements, tax returns, and cash-flow-based borrowing capacity
- Understanding of agricultural lending collateral, including real estate, equipment, livestock, crops, and government program payments
- Familiarity with credit policy, risk ratings, covenant monitoring, and portfolio management
- Strong analytical, organizational, and written communication abilities
- Ability to work independently and collaborate closely with Relationship Managers and Credit Officers
- Proficiency with financial spreading applications and credit systems
- Agriculture or agribusiness education or professional experience is strongly preferred
- Ability to follow U.S. Bank policies and procedures, including its Code of Ethics and Business Conduct and applicable workplace conduct and safety requirements
लाभ
- Medical, dental, and vision healthcare coverage
- Basic and optional term life insurance
- Short- and long-term disability coverage
- Pregnancy disability and parental leave
- 401(k) plan and employer-funded retirement plan
- Paid vacation ranging from two to five weeks based on salary grade and tenure
- Up to 11 paid holidays
- Adoption assistance
- Sick and Safe Leave accrued at one hour per 30 hours worked, up to 80 hours per calendar year unless law provides otherwise
- Incentive and recognition programs
- Employee equity stock purchase opportunity
- 401(k) contributions and pension