U.S. Bank is a United States-based financial services institution serving individuals and businesses through retail and corporate banking, wealth management, credit underwriting, and investment management. The company also supports financial literacy initiatives and community engagement. Its careers content highlights an emphasis on inclusion, workplace culture, employee development, and health and wellness. U.S. Bank is an FDIC member for eligible deposit products; investment and insurance products are not FDIC insured and may lose value.
Agricultural Credit Analyst – Multiple Levels | U.S. Bank (Hybrid, Minneapolis)
Evaluate agricultural and agribusiness lending opportunities for U.S. Bank in a hybrid Minneapolis role. Analyze repayment capacity, collateral, cash flow, and portfolio risk while supporting credit decisions and ongoing loan management.
Description
- Analyze credit and provide portfolio support for agricultural and agribusiness borrowers
- Review financial data to inform credit decisions, monitor risk, and maintain compliance with bank and regulatory standards
- Prepare financial spreads, cash-flow analyses, collateral assessments, and credit memorandums for Relationship Managers and Credit Officers
- Support loan originations, renewals, modifications, and continuing portfolio administration
- Evaluate operating lines, term loans, real estate-secured loans, equipment financing, and other agriculture-focused credit products
- Build knowledge of agricultural production cycles, commodity markets, and seasonal cash-flow patterns
- Evaluate borrowers’ repayment capacity and overall credit risk
- Work with relationship teams on credit inquiries, covenant monitoring, and portfolio reviews
Requirements
- Bachelor’s degree or equivalent professional experience
- Credit Review Specialist 3 candidates typically have at least two years of related experience
- Agricultural Credit Analyst 4 candidates typically have a bachelor’s degree or equivalent underwriting experience and at least one year of underwriting experience
- Agricultural Credit Analyst 5 candidates typically have a bachelor’s degree or equivalent underwriting experience and at least three years of underwriting experience
- Knowledge of agricultural lending and agribusiness operations, including crop and livestock production, agricultural real estate, and equipment financing
- Experience spreading and evaluating 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 policies, risk ratings, covenant monitoring, and portfolio management
- Strong analytical, organizational, and written communication abilities
- Ability to work independently and collaborate effectively with Relationship Managers and Credit Officers
- Proficiency with financial spreading tools 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
- Some positions may be subject to FINRA, NMLS registration, Reg Z, Reg G, OFAC, NFA, FCPA, Bank Secrecy Act, SAFE Act, or other applicable federal guidelines
Benefits
- 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