Position Details

Type Full-Time

Experience entry

Exp. Years 1+ years

Education Bachelor’s degree, or equivalent underwriting experience

Category Finance & Accounting

About this role

Responsible for providing credit analysis and portfolio support for agricultural and agribusiness clients, including spreads, cash flow analysis, collateral evaluations, and underwriting for a variety of ag loan products.

Key Responsibilities

Prepare financial spreads, cash flow analyses, and credit memorandums
Assess borrower repayment capacity and risk
Monitor covenant monitoring and portfolio reviews
Support Relationship Managers and Credit Officers
Coordinate with internal teams on credit questions

Technical Overview

Hands-on experience with financial spreading tools and credit systems; strong Excel skills and familiarity with ag lending practices, portfolio monitoring, and credit policy.

Ideal Candidate

An agricultural credit analyst with 1+ year underwriting experience, strong financial spreading and credit analysis skills, and knowledge of ag lending and collateral structures.

Must-Have Skills

Bachelor’s degreeor equivalent underwriting experienceTypically one or more years of underwriting experienceKnowledge of agricultural lending and agribusinessExperience spreading and analyzing agricultural financial statementsUnderstanding of collateral structures common in ag lendingFamiliarity with credit policyrisk ratingscovenant monitoringand portfolio management

Nice-to-Have Skills

Background or education in agriculture or agribusiness strongly preferred

Tools & Platforms

Financial spreading toolsCredit systemsMicrosoft Excel

Required Skills

credit analysisfinancial spreadingcash flow analysiscollateral evaluationcredit memorandumsunderwritingportfolio managementrisk monitoringcredit policyregulatory standardsspreading toolsMicrosoft ExcelMicrosoft Office Suite

Hard Skills

Credit analysisFinancial spreadingCash flow analysisCollateral evaluationCredit memorandumsUnderwritingPortfolio managementRisk monitoringCredit policyRegulatory standardsSpreading toolsMicrosoft ExcelMicrosoft Office Suite

Soft Skills

AnalyticalOrganizationalWritten communicationTeamworkIndependent work

Industry & Role

Industry Banking

Job Function Provide credit analysis and portfolio support for agricultural and agribusiness clients across a remote/hybrid environment.

Role Subtype Agriculture lending

Keywords for Your Resume

agricultural credit analystcredit analysisfinancial spreadingagriculture lendingagribusinesscollateral structurescredit policyrisk ratingsportfolio managementunderwritingspreadingcredit systemsmicrosoft excelremoteon-sitebankinglendingrisk managementportfolio reviews

Deal Breakers

Less than 1 year underwriting experience, No experience with agricultural lending or agribusiness, No knowledge of collateral structures

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