Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 12 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

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COMPENSATION: [[salaryMin]] to [[salaryMax]] base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

About Our Opportunity

The Food and Agribusiness Credit Officer (CO) is a member of the credit team supporting Farm Credit Mid-America’s commercial and corporate lending initiatives. They are responsible for all credit activities related to this large and complex loan portfolio and will work closely with sales, support, legal, finance, and accounting staff to accomplish team goals. The CO will also serve as a resource to other staff throughout Farm Credit Mid-America.

ABOUT FOOD AND AGRIBUSINESS: The Food and Agribusiness team is responsible for servicing the Association’s corporate and commercial lending customers. The portfolio includes originated loans, including those where Farm Credit Mid-America may be the administrative agent with exposure sold to other lenders, and purchased interests in multi-bank syndications, participations, and other debt instruments.

How You Will Spend Your Time

Credit Underwriting:

Leads the analysis and structuring of large commercial agribusiness and corporate credits

Work with the sales team, internal counsel, customers and participation partners to structure loans that meet the customer’s needs and protect the interests of Farm Credit Mid-America

Underwrite and act on credit actions within delegated authority

Analyze and develop recommendations for credit actions above individual delegated authority

Review and act on loan recommendations for other business units exceeding their delegated authority.

Risk Management:

Identify the Probability of Default of assigned accounts and proactively monitor to maintain accurate loan classification and risk rating.

Monitor the financial performance and covenant compliance of their assigned portfolio and disseminate as needed to partners and leadership

Lead activities that promote due-diligence and front-end guidance to the Food and Agribusiness team and Association

Support the loan closing and document review process

Marketplace Presence:

Accompany VP of Food and Agribusiness on meetings with influencers, partners, current or prospective customers

Provide back up to sales staff by representing Farm Credit Mid-America at customer and lender meetings as needed

Develop and maintain a professional presence in an assigned industry

OTHER RESPONSIBILITIES

Support the team and Farm Credit Mid-America by sharing knowledge and expertise through activates such as coaching, training, mentoring, participation on work teams, etc.

Represent and communicate the purpose and values of Farm Credit Mid-America and comply with its conduct policy, security policy and confidentiality expectations

Perform other duties as assigned

Minimum Education & Experience

Bachelor's degree in business, agriculture, or related field and at least three – five years of progressively responsible credit experience

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits (https://careers.fcma.com/content/Our-Benefits/?locale=en_US) .

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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