Farm Credit Analyst
$80,000–$110,000 year
Hybrid · Colorado Springs, Colorado, United States or Kansas City, Kansas, United States
Job Summary
The Farm Credit Analyst analyzes financial statements, tax returns, and cash flow projections for complex agricultural loans to assess repayment capacity and debt metrics, quantifies risks unique to agriculture (market volatility, weather impacts, commodity prices), maintains active monitoring of the loan portfolio, verifies collateral value and legality, partners with loan officers to prepare formal credit memorandums for the Credit Committee, provides guidance to junior analysts, ensures compliance with internal auditing standards and Farm Credit regulations, and applies knowledge of GAAP, farm-related tax schedules, and banking regulations to support sound lending decisions. The role requires understanding commodity markets and livestock/crop dynamics, proficiency with financial modeling and spreadsheets, and the ability to analyze management quality during farm site visits, all within an Agriculture Department context at BANK19.
Required Qualifications
- Bachelor’s degree in Finance, Agricultural Business, Accounting, a related field, or equivalent experience
- Completion of formal commercial credit training or specialized agricultural lending certifications is highly desirable
- 4–6 years of professional experience in credit analysis, specifically within the agricultural or commercial lending sectors
- Deep knowledge of the Five C’s of Credit and experience applying them to agricultural lending
- Experience with GAAP, tax accounting (farm-related schedules), and federal/state banking regulations
- Demonstrated ability to draft clear, persuasive credit memorandums and interact with stakeholders
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