Credit Analyst - Agricultural
Equity Bank • Hays, KS • Full Time
Posted on Sat, Oct 10, 2026
- 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
- 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
- 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
- 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.
- Financial Covenant Monitoring / Approval.
- Borrowing Base Certificate Monitoring / Approval.
- Prepare Weekly, Monthly, Quarterly, and Annual Reports as assigned.
- 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
- 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
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 $68,000–$101,000 per year (median ~$85,000). This is an AuditFriendly estimate, not an employer-provided figure.
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What the data says about this job
- Advertised pay for Credit Analyst: a median of $80,500 across 1,528 priced postings. Explore the market
Measured from employers' own postings and public filings. How we measure