Agriculture Credit Analyst

Agriculture Credit Focus | Relationship Banking

Security Financial Bank (SFB) is seeking an Agriculture Credit Analyst to support our agricultural lending teams. This role is focused on agricultural credit analysis, working closely with relationship managers to evaluate farm operations, agribusinesses, and rural enterprises. The analyst plays a key role in assessing creditworthiness, understanding agricultural production cycles, and supporting sound lending decisions that strengthen both our customers and our communities.

This is an opportunity for a financially skilled professional to build specialized expertise in agricultural credit and lending. Candidates with strong backgrounds in financial analysis, accounting, credit or commercial banking who are interested in developing expertise in agricultural lending are encouraged to apply. Previous agricultural credit experience is helpful but not required.

This position is an in-office role based out of the corporate location in Eau Claire, WI.

Why Join Us:

At SFB, we don’t just talk about relationship banking — we live it. We pride ourselves on delivering exceptional service and building lasting partnerships with our clients and teammates. When you join SFB, you become part of a team that offers:

• A supportive, inclusive culture that recognizes your contributions
• Paid training and professional development opportunities
• Tuition support for finance/banking courses and certifications
• Comprehensive benefit package
• Paid volunteer time off
• & more!

Position Summary:

As an Agriculture Credit Analyst, your work will be centered on agricultural lending and include:

• 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

What We’re Looking For:

Education & Experience

• Bachelor’s degree in Finance, Accounting, Agribusiness, Agricultural Economics, or a related field preferred
• Prior experience in credit analysis, financial analysis, accounting, commercial lending, or a related financial field is strongly desired. Previous agricultural credit experience is helpful but not required

Knowledge & Skills

• Demonstrated ability to independently analyze balance sheets and income statements
• Strong understanding of cash flow and debt-service capacity
• Experience reviewing and analyzing business and/or individual tax returns to understand financial performance and cash flow
• Ability to identify financial trends, risks and factors impacting creditworthiness
• Strong analytical and problem-solving skills with attention to detail
• Proficiency in Excel and spreadsheet-based financial analysis

Agriculture Knowledge & Interest

• Interest in developing knowledge of agricultural operations, production cycles, commodity markets and farm business structures
• Ability and willingness to learn agricultural loan structures and collateral, including operating lines, equipment, livestock, farmland and agricultural real estate

Working conditions, including physical requirements:

• This position is an in-office position that is performed largely within the Bank with limited chance of personal injury.
• Frequent mental and visual concentration required in managing deadlines and multiple priorities.
• Work hours are generally daytime hours Monday–Friday.
• Periodic stressful situations may occur due to competing deadlines and customer needs.
• Serves as a representative of the organization at appropriate functions and client visits.

Who We Are:

SFB is an independent community bank with eight branch locations and more than 140 employees. Since opening in 1934 in Durand, WI, we’ve built our reputation on trust, relationships, and community involvement. At SFB, you’ll find a supportive, team-oriented workplace where your contributions matter and your professional growth is encouraged.

At Security Financial Bank, we value diversity and are proud to be an Equal Opportunity Employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic.

General Notice:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.