Credit Analyst - Agricultural

Equity Bank ‚Ä¢ Wichita, Kansas ‚Ä¢ Full Time

Posted on Thu, Jun 11, 2026

Position: Credit Analyst - Agricultural Department: Credit Administration Location: Wichita, KS (On-Site) Job Type: Full-Time (Salary) Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values. Agricultural Credit Analyst Responsibilities and Expectations:

Produce quality credit presentation /annual reviews for use by various Approval Authorities (Internal and External):
Use customer-provided information to produce consistent financial spreads
Analyze the produced financial spreads with analysis emphasis on all financial activities of the borrower
Identifies material changes and / or trends in the balance sheet and income statement
Completes deal specific and global cash flow analysis
Identifies and analyzes the adequacy of the collateral securing the loan(s)
Creates a well-written credit presentation /annual review that is reader friendly and effectively exemplifies the “true” position that Equity Bank maintains with respect to the credit facility(ies) under discussion
Works on large, complex Agricultural loan relationships independently
Covenant & Compliance measurements

General banking / credit related knowledge – Credit Analyst Agricultural will become familiar with and understand:

Loan Policy, underwriting guidelines and credit procedures
Agricultural lending / underwriting– including: Custom operators, cash grain, cow / calf, feed yards, dairy, hog & poultry operations
Governmental Guarantee Programs - including: Farm Service Agency / US Small Business Administration / USDA
Crop Insurance
Farmer Mac
Agricultural loan types and their uses in loan structuring – crop input loans, cattle loans, operating loans, borrowing base loans. farm equipment loans, real estate loan and land loans
Loan documentation including security documents (UCCs, Agricultural Security Agreements, Real Estate Mortgages)
Real estate appraisals and evaluations
Environmental Reports

Manage relationships with Loan Officers

Utilize written and oral communication skills to obtain all the needed information for any requests/annual reviews that are under discussion in a timely manner
In conjunction with the Loan Officer contacts customers, CPAs and advisors when needed
Confirm all credit applications/annual reviews with officers in order to present the Approval Authorities with the best, most accurate product so that they can make an educated decision on the loan(s) under discussion

Customer relationships.

Utilize written and oral communication skills to relay and acquire information to and from customers, CPAs and advisors.
Develop and maintain a positive professional image for Equity Bank.
Create a friendly, customer service image to customers.

Reports and responsibilities - Manage Other Related Projects as assigned, including:

Financial Covenant Monitoring / Approval.
Borrowing Base Certificate Monitoring / Approval.
Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned.

Understand and follow the applicable laws and regulations for job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity Reporting (“SAR”) requirements. Other Duties and Tasks as assigned. INDUSTRY SKILLS/QUALIFICATIONS/REQUIREMENTS:

Ag CA I & CA II - Bachelor’s Degree, or equivalent experience, required. Emphasis on Agricultural Business, Finance and Accounting
Ag CA II - Two to five years of experience, as a credit analyst, or equivalent experience
Advanced Training & Development – The Senior Credit Analyst – Agriculture will have participated in and obtained certification in credit related programs including RMA and Agricultural Banking School
Excellent interpersonal skills and professional manner
Computer skills, especially the ability to work in Windows based systems

Who We Are Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 70 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma. At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team. Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere. What’s in it for you? We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families. Benefits Available:

Health, Dental & Vision Insurance
Group Life & Long-Term Disability Insurance
Flexible Spending & Health Savings Accounts
Group Cancer Insurance
401(K) Retirement Plan w/Company Match
Generous Vacation & Sick Time
Employee Stock Purchase Plan (ESPP)
Pet Insurance
Retail Banking Benefits

Find your future at Equity Bank! The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements. Physical Requirements This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others. Work Environment This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis. Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

AuditFriendly salary estimate

The employer did not post a salary for this role. Based on AuditFriendly's salary intelligence model (comparable live postings, role, seniority, and location), we estimate base pay of $70,000–$103,000 per year (median ~$86,000). This is an AuditFriendly estimate, not an employer-provided figure.

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