• Ag Credit Analyst

    Job Locations US-WI-Cross Plains
    # of Openings
    Loan Operations/Underwriting
  • Overview


    In 1908, State Bank of Cross Plains opened our doors with one goal in mind: to make our vision of helping others achieve their dreams a reality. Since we believe that anything is possible with the right people by your side, we aim to be a knowledgeable financial partner who helps the Dane County community and surrounding area accomplish their goals—and then set new ones. With our unique community bank culture, competitive wages and benefits and opportunities for growth, we offer our employees the ability to make a difference for our customers in helping them reach their financial dreams.

    We are seeking an adaptable and team-oriented professional to join our Cross Plains Main office (flexible on location) as a Ag Credit Analyst! In this position you will serve as a Credit Analyst to the ag and commercial loan area and will be responsible for spreading financial statements as required by SBCP loan policy.  In addition, this role will analyze and underwrite ag and commercial credits and partner with Portfolio Managers (PM), Business Bankers and Commercial/Ag Bankers in making credit decisions.


    • Accurately spread ‘raw’ business financial statements into financial spreading software as collected (includes tax returns, balance sheets, profit & loss statements, aging reports and projections)
    • Provide credit analysis and identify trends based on collected financials and spreads on an ongoing basis for existing customers to Business and Commercial/Ag Bankers
    • Monitor and verify borrowing base certificates and other loan covenants. Report findings to Business & Commercial/Ag Bankers
    • Underwrite and facilitate new and renewal credits where the aggregate debt is at or below $500k, and other less complex credits as assigned by Assistant Credit Manager
    • Processing staff, Credit Risk Department and other internal staff members as necessary
    • Ensure proper documentation of loan file via post approval due diligence (i.e.. commitment letter, adverse action notice, appraisal request, closing instructions, etc.)


    • Associates degree in Finance, Accounting, Business and/or similar field of education and/or 3 years previous work experience in an Ag lending environment
    • Solid understanding of financial statements including but not limited to tax returns, profit & loss statements, income statements, balance sheets, and other business financials
    • Well-developed interpersonal and communication skills (verbal & written) in order to communicate and relate effectively with customers and associates
    • Strong attention to detail with the ability to work efficiently & accurately
    • Demonstrated ability in exercising independent judgment
    • Strong organizational skills, including the ability to prioritize and remain calm while working in a fast paced/deadline driven environment

    The State Bank of Cross Plains values a diverse workforce and is an Affirmative Action/Equal Opportunity Employer. Minorities, Females, Veterans, and Individuals with Disabilities encouraged to apply.


    Consistent with State Bank of Cross Plains’ commitment to employ and advance qualified individuals with disabilities, State Bank of Cross Plains provides reasonable accommodation to apply for or perform a job. Some examples of reasonable accommodation include alternate methods to apply, providing documents in an alternate format, altering work procedures, specialized equipment or use of an interpreter. If an individual needs reasonable accommodations to apply or perform a job here at State Bank of Cross Plains, please contact Human Resources at (608) 849-2700 or email us.


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