Benefits Overview:
A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best!

REMARKABLE BENEFITS OFFERED BY COBANK

• Careers with a purpose
• Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays
• Competitive Compensation & Incentive
• Hybrid work model: flexible arrangements for most positions
• Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• Robust associate training and development with CoBank University
• Tuition reimbursement for higher education up to 10K per year
• Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
• Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups: creating a culture of respect and inclusion
• Recognize a fellow associate through our GEM awards
  Job Description:
  Members of CoBank’s Credit Advancement Program ("CAP") perform credit support and analysis functions in a rotational capacity through various functional and banking groups at CoBank in order to gain a broad understanding of the Bank’s customer base and credit underwriting role. Rotational assignments provide on-the-job credit experience with CoBank’s various Agribusiness and Rural Utility Banking Groups. Each rotation offers the opportunity to train with and support the various CoBank credit and relationship management teams. In addition to on-the-job training, Credit Development Associates complete curriculum to support their development throughout the 24-month training period. Associates who successfully complete the program are well versed in the credit analysis role and on their way to a credit career with CoBank.
  Start Date: January 2026 (must have completed a bachelor’s or master’s degree by December 2025)

Essential Functions:

• Analyzes and processes audits, financial statements, and other borrower reporting including new, complex, and syndicated loans.
• Assists team with internal and external auditing functions and findings, as necessary.
• Monitors financial statements and borrower reports for compliance with terms and conditions of loan agreements.
• Prepares and underwrites credit reports as assigned, consulting with Relationship Managers, Credit Managers, and other credit personnel as needed.
• Conducts progressive credit analysis, including but not limited to credit administration and risk analysis in specifically assigned areas.
• Analyzes, reports, and makes recommendations related to credit decisions for CoBank borrowers and assists in identifying specific or general areas of concern.
• Develops knowledge base and understanding of bank guidelines, policies, and procedures for presentation of credit information.
• Reviews overall profitability and credit quality of a loan portfolio.
• Recommends credit decisions as appropriate.
• Assists in developing and implementing marketing and account servicing plans to capitalize on marketing opportunities within designated industries.

Education:

• Bachelor’s Degree required in relevant business-related discipline (Agribusiness, Finance, Accounting, etc)

Work Experience:

• Experience in accounting/finance classes in undergraduate curriculum required
• Experience or education creating, modeling and/or analyzing management, finance, operations, marketing, or other relevant concepts in a business environment preferred
• Experience managing multiple priorities and working both independently and as part of a team
• Aptitude for financial analysis
• Strong customer focus, detail orientation, and time management skills
• Ability to build and maintain effective working relationships with all levels of management and staff
• Excellent verbal and written communication, presentation and interpersonal skills
• Knowledge of Microsoft Office applications (Outlook, Word and Excel) and other business software
• Some travel or temporary relocation may be required

Physical Exertion Details:
Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.
Travel Requirement Details:
Occasional Travel occurs infrequently (typically, once a month or less).
About CoBank:
The typical base pay range for this role is between $57,200 - $65,500. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance.
The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law.
CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.

• Analyzes and processes audits, financial statements, and other borrower reporting including new, complex, and syndicated loans.
• Assists team with internal and external auditing functions and findings, as necessary.
• Monitors financial statements and borrower reports for compliance with terms and conditions of loan agreements.
• Prepares and underwrites credit reports as assigned, consulting with Relationship Managers, Credit Managers, and other credit personnel as needed.
• Conducts progressive credit analysis, including but not limited to credit administration and risk analysis in specifically assigned areas.
• Analyzes, reports, and makes recommendations related to credit decisions for CoBank borrowers and assists in identifying specific or general areas of concern.
• Develops knowledge base and understanding of bank guidelines, policies, and procedures for presentation of credit information.
• Reviews overall profitability and credit quality of a loan portfolio.
• Recommends credit decisions as appropriate.
• Assists in developing and implementing marketing and account servicing plans to capitalize on marketing opportunities within designated industries