Job Description

Loan Officer, Ag & Rural Lending Are you ready to advance your career with a respected agricultural lending institution and make a positive impact on Missouri communities? If you're proactive, friendly, detail-oriented, passionate about agriculture and building customer relationships, this opportunity could be a great fit for you! About Us: At FCS Financial, part of the nationwide Farm Credit System, we take pride in our commitment to agriculture and our members. We provide a supportive work environment that encourages both personal and professional growth. The Role: We're looking for a self-starter and motivated Loan Officer to join our team in Union, Missouri! In this role, you'll work closely with our member owners, develop strong relationships, grow and maintain your own ag and consumer loan portfolio, and provide servicing on existing loans. This position is ideal for someone who values frontline customer interaction and enjoys supporting lending operations. What We Offer: Top-Notch Benefits: A highly competitive compensation and benefits package. Community Impact: Be part of an organization that supports local agriculture and rural communities Growth Opportunities: We support your career development and personal growth. What You Need: Education: Bachelor's degree in agriculture, business or a related field. Skills: Sales, negotiating tactics, marketing strategies, financial and agricultural industries, basic accounting principles. Attitude: A positive, customer-focused approach. This position is open until filled. This position is located in Union, Missouri. This position is classified as 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 Category: Sales , Markeplace experience level: Entry Level job Type: Full-Time FCS Financial

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