Job Information
FCS Financial Loan Officer, Ag & Rural Lending in Higginsville, Missouri
Description/Job Summary
At FCS Financial, part of the nationwide Farm Credit System, we are looking for a Loan Officer to join our Ag & Rural Lending Team in our Higginsville Branch! FCS Financial is a member of the largest agriculture lending cooperative in the United States today. FCS is dedicated to supporting agriculture and rural communities in Missouri!
At FCS, we seek individuals who share a passion in assisting your local agriculture community and want an opportunity to grow and work with great people! We are seeking an independent, competitive, highly motivated individual looking to build relationships with new and existing customers! Don't miss out on this opportunity to take your lending career to the next level, apply now! FCS will help provide the tools and resources needed to learn!
This Loan Officer position develops and maintains a portfolio of agricultural loans. This person must maintain and service a current portfolio along with creating new loans. Knowledge of farm and agribusiness financials and current agricultural lending practices within the financial services industry is a plus!
This position's market territory is in Higginsville, Missouri.
This position is classified as Exempt under the Fair Labor Standards Act.
This position is open until filled.
Department: Marketplace
Reports to: Vice President, Team Leader, Ag & Rural Lending
Supervises: None
Responsibilities/Duties
Job Functions*
PercentageJob 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/aOther duties as assigned to meet the needs of the organization.
Scope of Responsibilities:
ResponsibilityMeasure
Portfolio SizeUp to $55M
Required Skills
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