U.S. Bank — жеке тұлғалар мен бизнеске бөлшек және корпоративтік банкинг, әл-ауқатты басқару, кредиттік андеррайтинг және инвестицияларды басқару қызметтерін ұсынатын, Америка Құрама Штаттарында орналасқан қаржылық қызметтер ұйымы. Компания қаржылық сауаттылық бастамалары мен қоғаммен өзара іс-қимылды да қолдайды. Оның мансапқа арналған материалдарында инклюзияға, жұмыс орнының мәдениетіне, қызметкерлердің дамуына, денсаулық пен әл-ауқатқа баса назар аударылады. U.S. Bank талаптарға сай депозиттік өнімдер бойынша FDIC мүшесі болып табылады; инвестициялық және сақтандыру өнімдері FDIC сақтандыруымен қамтылмайды және құнын жоғалтуы мүмкін.
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.
Америка Құрама Штаттары
Миннесота81 900 $ – 109 200 $ / жыл
АраласТолық жұмыс күніКіші маманҚажетті Тіл: ағылшын тіліТалдаушыСипаттама
- 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
Талаптар
- 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
Артықшылықтар
- 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