Security Financial Bank · 1 day ago
Agriculture Credit Analyst
Eau Claire, WI
Full-time
Onsite
Entry, Mid LevelSecurity Financial Bank (SFB) is seeking an Agriculture Credit Analyst to support their agricultural lending teams. This role focuses on agricultural credit analysis, evaluating farm operations and agribusinesses, and supporting sound lending decisions to strengthen customers and communities.
AgricultureCyber SecurityFinancial ServicesVenture Capital
Hiring Manager
Nicky Schmitt, SHRM-CP
Responsibilities
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
Qualification
Required
Bachelor's degree in Finance, Accounting, Agribusiness, Agricultural Economics, or a related field preferred
Prior experience in agricultural credit analysis, agricultural lending, farm management, or agribusiness strongly desired
Strong understanding of agricultural financial statements, cash flow analysis, and farm tax returns
Knowledge of agricultural production cycles, commodity markets, and common farm business structures
Ability to assess debt serviceability and creditworthiness for farm and ag-related operations with moderate to complex structures
Familiarity with agricultural loan types, including operating lines, equipment loans, farmland financing, and ag real estate
Strong analytical and problem-solving skills with attention to detail
Effective written and verbal communication skills
Proficiency in Microsoft Word, Excel, and spreadsheet-based financial analysis
Ability to work independently and collaboratively as part of a team
Ability to exercise sound judgment and maintain confidentiality
Preferred
Experience with SageWorks analysis software and Jack Henry core systems is a plus
Benefits
Paid training and professional development opportunities
Tuition support for finance/banking courses and certifications
Comprehensive benefit package
Paid volunteer time off
& more!
Company
Security Financial Bank
Security Financial Bank is a bank that offers business and agricultural banking services.
Founded in 1934
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Randy Yeast
Chief Technology Officer
Bryan Gerlach
Chief Financial Officer
Company data provided by crunchbase