Agriculture Credit Analyst I (42158)
Summary
An entry-level Agriculture Credit Analyst evaluates farm operations and agribusinesses to support agricultural lending decisions. Day-to-day work includes spreading agricultural financial statements, preparing loan presentations with production cycle and commodity risk analysis, and collaborating with relationship managers on credit reviews.
Agriculture Credit Focus | Relationship Banking
Security Financial Bank (SFB) is seeking an Agriculture Credit Analyst to support our agricultural lending teams. This role is heavily focused on agricultural credit analysis, working closely with relationship managers to evaluate farm operations, agribusinesses, and rural enterprises. The analyst plays a key role in assessing creditworthiness, understanding agricultural production cycles, and supporting sound lending decisions that strengthen both our customers and our communities. This position is an in-office role based out of the corporate location in Eau Claire, WI.
Candidates with experience or education related to agriculture, ag finance, or agricultural lending are encouraged to apply.
Why Join Us:
At SFB, we don’t just talk about relationship banking — we live it. We pride ourselves on delivering exceptional service and building lasting partnerships with our clients and teammates. When you join SFB, you become part of a team that offers:
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- A consistent, daytime schedule
- A supportive, inclusive culture that recognizes your contributions
- Paid training and professional development opportunities
- Tuition support for finance/banking courses and certifications
- Comprehensive benefit package
- Paid volunteer time off
- & more!
Position Summary:
As an Agriculture Credit Analyst, your work will be centered on agricultural lending and include:
- Spreading and analyzing agricultural financial information, including farm financial statements, tax returns, cash flow projections, livestock and crop-related income, and pro-forma financial statements
- Evaluating agricultural operations and agribusinesses to determine overall credit risk and appropriate risk ratings in accordance with bank policy
- Preparing detailed loan presentations that reflect ag-specific risks, including production cycles, commodity price volatility, input costs, and market conditions
- Analyzing collateral structures related to agriculture, such as farmland, livestock, equipment, and ag real estate
- Supporting Relationship Managers with annual reviews, technical exception monitoring, and adverse action processes for agricultural relationships
- Staying current on agricultural industry trends, economic conditions, and SWOT factors that may impact farm customers and the bank’s ag loan portfolio
- Working collaboratively with internal teams to ensure compliant, timely, and well-structured agricultural credits