Join Our Team

Credit Analyst
Location: Morgan, MN

At AgQuest, we’re driven by a powerful vision of being the difference maker in living and leaving a legacy for the next generation. Our Credit Department plays a vital role in turning that vision into reality by supporting the financial health and growth of our farmers and rural communities. We’re looking for a purpose-driven professional who shares our commitment to integrity, service, and agriculture prosperity. If you're passionate about making a meaningful impact through sound credit decisions and personalized financial solutions, we invite you to join a team that’s helping shape the future of ag finance.

Job Title: Credit Analyst
Reports to: Director of Credit
Salary Range: $60-$90k

Purpose:
The Credit Analyst provides efficient, accurate, and consistent analysis of historical and projected financial information such as balance sheets, income and expenses, tax returns, and historical production numbers for enterprises to evaluate and underwrite loan application requests for compliance with loan policy and internal guidelines on agricultural loan applications. The Credit Analyst also provides loan structure and documentation support to the Business Relationship Managers and Loan Documentation department to assist with requests for loan applications.

Duties and Responsibilities:

• Organize financial information in order to efficiently process the information related to an agricultural loan application.
• Analyze financial information and prepare credit presentations that consider the “5 C’s” of credit for the appropriate credit approval authority.
• Evaluate and analyze credit relationships for compliance with AgQuest loan policy.
• Provide support for the processing and documentation of loan applications.
• Maintain accurate information in AgQuest software applications.
• Perform other duties and tasks as assigned.

Other Related Tasks: 

• Attend internal and external meetings, conferences, seminars, and training courses related to work areas.
• Minimal travel may be required.
• Work in an effective and efficient manner.
• Pursue personal and professional growth and knowledge.
• Serve as backup for other jobs as necessary.

Education/Experience/Skills:

• 4-year degree in accounting or finance or 2-year degree with 5-years work experience in underwriting credits in bank or financing company.
• Represent yourself and Farmward/AgQuest professionally at all times in action and appearance - positively enriching the culture of Farmward/AgQuest.
• Understanding of financial information and respective terminology, i.e. balance sheets, cash flow, sources and uses, income and expenses, etc.
• Understanding of production agricultural terminology, i.e. types of crops, livestock, machinery and equipment, crop land, livestock production facilities, etc.
• Understanding of documentation required to properly perfect a secured interest in assets pledged as collateral for loan applications.
• Ability to effectively communicate with Management, Relationship Managers, Loan Documentation department, and AgQuest loan participation partners through written and verbal methods.
• Efficiently operate and utilize a computer and software applications related to the job.
• Strong critical thinking skills and problem-solving ability.
• Self-motivated/self-directed.
• Good organizational skills with the ability to prioritize tasks.
• Current driver’s license.

This job description is not intended to limit the responsibilities of an employee assigned to this position to those duties listed above. The employee is expected to follow any other instructions and perform any other duties requested by the immediate supervisor or company management. The level of involvement may vary based on the company and individual capabilities

Send Letter of Application & Resume to:
AgQuest Financial Human Resources Department
Attn: Kristin Smith
PO Box 67
Morgan, MN 56266

Email: [email protected]