Farm Credit Analyst

Position: Farm Credit Analyst 

Department:Agriculture

Reports To: Division President

Location:7450 Campus Drive, Suite 210, Colorado Springs, CO 80920 

Onsite: Yes, at either our Colorado Springs, CO or Kansas City, KS offices    

Remote: There is potential for fully remote - Hybrid is preferred

Exempt: Yes  Non-exempt: No

Why Analysts Choose BANK19

At BANK19, people are at the center of everything we do. We believe banking should feel personal, supportive, and grounded in trust. Our customers are more than account numbers—they are our neighbors, families, and the business owners who shape the agricultural heartland we serve. We approach every interaction with care and respect, ensuring our team members have the support they need to provide the best service to our community.

Role Overview

The Farm Credit Analyst is a vital role within our Agriculture Department, responsible for conducting complex credit evaluations of agricultural loans. You will focus on assessing the financial health of large-scale farming operations and agribusinesses. This position requires a professional who can blend technical financial expertise with a deep understanding of the unique variables of the agricultural industry to ensure the safety and soundness of our loan portfolio.

Essential Functions

• Analyze financial statements, tax returns, and cash flow projections for complex agricultural operations to determine repayment capacity and debt-to-equity ratios.
• Quantify risks unique to agriculture, including market volatility, weather impacts, and commodity price fluctuations, ensuring alignment with credit policies.
• Maintain an active monitoring system for the existing loan portfolio, performing regular reviews to ensure early detection of deteriorating credit quality.
• Verify the value and legal standing of agricultural collateral (land, livestock, equipment, and crops) and review appraisals to ensure a secured position.
• Partner with loan officers to gather documentation and present formal credit memorandums to the Credit Committee for high-limit or complex requests.
• Provide technical assistance and peer reviews for junior credit analysts, assisting in the development of departmental workflows and software implementation.
• Ensure all credit files meet internal auditing standards and federal banking regulations while staying current on Farm Credit System trends.

Knowledge, Skills, and Abilities

• Understanding of commodity markets, livestock cycles, and crop production factors impacting borrower profitability.
• Deep knowledge of the "Five C’s of Credit" as applied to specialized agricultural lending.
• Ability to build and interpret complex spreadsheets for trend analysis and identify financial patterns within disparate data sets.
• Capacity to draft clear, persuasive credit memorandums and discuss complex financial issues with stakeholders and producers.
• Ability to evaluate management quality and operational efficiency during farm site visits.
• Familiarity with GAAP, tax accounting (farm-related schedules), and federal/state banking regulations.

Experience and Education

• 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.
• Demonstrated expertise using credit analysis software, financial spread tools, and core banking systems.

Physical & Mental Requirements

• Ability to remain stationary for extended periods and review detailed digital spreadsheets.
• Capacity to navigate uneven terrain (fields, barns, facilities) during on-site farm inspections and operate a motor vehicle for travel.
• Occasional exposure to outdoor weather and typical agricultural environments.
• High level of concentration required for auditing financial spreads and synthesizing multiple variables into cohesive risk assessments under firm deadlines.

Benefits

BANK19, a division of First Bank and Trust of Memphis, offers a comprehensive package for eligible employees:

• Health, Dental, and Vision Insurance
• Health Savings Account (HSA) and Flexible Spending Account (FSA)
• Life and AD&D Coverage
• Voluntary Supplemental Life, Short-Term, and Long-Term Disability
• Company Retirement Plan

Bank19 is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status. Bank19 is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or employee requiring reasonable accommodation to perform any essential job function should contact Human Resources.