Loan Officer - Agriculture Relationship Manager at FCS Financial — NeverHard

Loan Officer - Agriculture Relationship Manager Help Fuel the Future of Agriculture in Missouri Do you enjoy building relationships, helping businesses succeed, and making a meaningful impact in rural communities? If you're passionate about agriculture and thrive in a customer focused environment, FCS Financial has an exciting opportunity for you. Make an Impact Where It Matters At FCS Financial, we're more than a lender. As part of the nationwide Farm Credit System, we partner with farmers, ranchers, agribusinesses, and rural residents to help them achieve their goals. Our team is committed to strengthening agriculture and supporting the communities we serve. The Opportunity We're looking for an energetic, relationship-driven professional to join our Columbia, Missouri team as a Loan Officer - Agricultural Relationship Manager . In this role, you'll: Develop trusted relationships with farmers, agribusinesses, and rural customers. Build and manage a successful agricultural and consumer lending portfolio. Identify opportunities to help customers achieve their financial goals. Provide exceptional service and ongoing support to member-owners. Represent FCS Financial in the community and help grow our presence in the local market. This is an ideal opportunity for someone who enjoys meeting people, solving problems, and creating long-term relationships while serving the agricultural industry. Why Join FCS Financial Purpose Driven Work: Help support Missouri agriculture and rural communities. Career Growth: Build a rewarding career with an organization that invests in your development and success. Relationship Focused Environment: Work alongside talented professionals who are passionate about serving our member owners. Competitive Total Rewards: Enjoy a highly comprehensive salary, incentive opportunities, and benefits package designed to support you at work and at home. Based on experience, multiple growth opportunities are available including: Financial Services Officer: $58,000 - $85,000 Assistant Vice President, Ag & Rural Lending: $64,000 - $107,000 Vice President, Ag & Rural Lending: $79,000 - $151,000 What You Need Bachelor’s degree in Agriculture, Business, Finance, or a related field. Knowledge of sales, marketing strategies, financial services, agricultural operations, negotiation skills, and basic accounting principles. A self-motivated, results-oriented mindset. Passion for providing exceptional customer service. Join a team that's helping agriculture thrive while building a career you'll be proud of. Apply today! Location Columbia, Missouri Position Details Status: Open until filled. Classification: Exempt under the Fair Labor Standards Act. Department: Marketplace Reports To: Vice President Team Leader, Ag & Rural Lending Supervises: None Job Functions* Percentage Job Functions 60% Loan Origination/Portfolio Management Meets with current customers and prospects to gather, update, and review financial and scope of operation information to determine eligibility Completes the Farm Credit Services (FCS) application process in order to submit to the credit department Analyzes credit for new actions and servicing actions Verifies financial documentation and closing conditions Determines product pricing Communicates credit decision and completes required steps for closing Determines location for loan closing and coordinates schedules to ensure loan closing time and location meets customer needs Services loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversions Identifies at-risk loans and determines a plan of action to resolve deficiencies 25% Marketing and Sales Represents and promotes FCS Financial at agricultural organization meetings and events Attends auctions and sale barns to promote FCS services and products Determines appropriate sales approach for potential or current customers Determines potential business opportunities through relationship building activities including targeted sales calls and onsite visits. Review financial information for cross-sale opportunities Determines proper allocation of marketing budget dollars Contacts internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities ensure customer needs are met Contacts external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA’s) to coordinate activities and ensure customer needs are met 10% Chattel and Collateral Valuations Performs Chattel (cattle, crops, machinery) and Collateral valuations (real estate) Determines value using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate 5% Training Attends loan officer development training courses as application and/or assigned n/a Other duties as assigned to meet the needs of the organization. * Essential Functions for this position consist of all items listed under any category that make up 5% or more of the job duties. This job description is subject to change without notice. Minimum Qualifications Bachelor’s degree in agriculture, business or a related field Or an equivalent combination of education and experience sufficient to perform the essential functions of the job Required Knowledge and Skills General knowledge of the sales process General knowledge of negotiating tactics General knowledge of marketing strategies General knowledge of financial services industry General knowledge of the agricultural industry General knowledge of basic accounting principles Skill in negotiating agreements to achieve the best outcome for the organization Skill in using Microsoft technologies including Outlook, Word and Excel Skill in listening and conveying awareness of a customer's problem or issue to find resolution Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences Ability to learn and retain Association policies and procedures, and the ability to adapt to new policies and procedures quickly. Responsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us at Human.Resources@myfcsfinancial.com> and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this email address. For more information about our commitment to equal employment opportunity, http://help.baiworks.com/files/EEO_Is_The_Law.pdf>.