Overview

We're seeking a detail-oriented Commercial and Agricultural Credit Analyst to join our community bank's lending team. In this role, you'll support commercial and agricultural loan officers by analyzing borrower financial data, assessing creditworthiness, and helping structure sound lending decisions that serve the businesses, farms, and families in our community.

This is a great opportunity for someone who wants hands-on exposure to both commercial and ag lending in a community bank environment where relationships and local knowledge matter.

This is a full-time, on-site position based in Waverly, MN or potentially at another branch depending on the successful applicant’s skills and background. Competitive salary ranging from $52,000–$70,000 per year depending on experience, plus eligibility for an annual performance-based bonus.

Key Responsibilities

Credit Analysis & Underwriting Support

● Analyze financial statements, tax returns, and cash flow projections for commercial and agricultural loan applicants.

● Prepare written credit analyses and risk assessments to support loan officer recommendations.

● Spread financial statements and calculate key ratios (debt service coverage, working capital, leverage, liquidity).

● Assist in evaluating collateral, including real estate, equipment, livestock, and crops.

Portfolio Monitoring & Compliance

● Help monitor existing loan portfolios for covenant compliance, renewal needs, and early signs of credit deterioration.

● Support structuring of loan terms and conditions in accordance with bank policy and regulatory requirements.

● Assist with annual reviews, renewals, and loan file documentation for commercial and ag relationships.

● Ensure compliance with bank policies, loan documentation standards, and applicable banking regulations.

Internal Collaboration

● Build working knowledge of agricultural market conditions, commodity prices, and industry trends affecting borrowers.

● Collaborate with loan officers, underwriters, and credit administration on loan packaging and approval.

Qualifications

Education & Experience

● Bachelor's degree in finance, accounting, agricultural business, economics, or a related field preferred (equivalent experience considered).

● Minimum 2 years of experience in credit analysis, commercial lending, agricultural lending, or a related financial role.

Knowledge, Skills & Abilities

● Working knowledge of financial statement analysis and cash flow basics.

● Exposure to agricultural operations, farm financial cycles, and/or commodity markets is a plus, but not required.

● Comfortable working in Microsoft Excel; willingness to learn loan origination or credit analysis software.

● Good written and verbal communication skills.

● Strong attention to detail.

● Ability to manage multiple priorities and deadlines.

● Comfortable working both independently and as part of a lending team.

Working Conditions

● Standard office environment with routine computer use.

● Occasional overtime may be required during peak lending periods.

● Occasional travel to other bank branches may be required

What We Offer

● Competitive salary based on experience.

● Health, dental, and vision insurance.

● 401(k) with employer match.

● Paid time off and holidays.

● Opportunity for professional growth within a community-focused bank.

Send your resume and cover letter to employment@harvestbank.com or drop off at any Harvest Bank location. Learn more about us at www.harvestbank.com.

Harvest Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual preference or orientation, gender identity, national origin, disability, veteran status and all other protected statuses.

Pay: $52,000.00 - $70,000.00 per year

Benefits:

• 401(k) 3% Match
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Work Location: In person