At FCS Financial, part of the nationwide Farm Credit System, we are looking for a full-time Loan Officer to join our Team in our Columbia 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 Columbia, 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, Traditional/PT Farmers
Supervises:None
Responsibilities/DutiesJob 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 eligibilityCompletes the Farm Credit Services (FCS) application process in order to submit to the credit departmentAnalyzes credit for new actions and servicing actionsVerifies financial documentation and closing conditionsDetermines product pricingCommunicates credit decision and completes required steps for closingDetermines location for loan closing and coordinates schedules to ensure loan closing time and location meets customer needsServices loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversionsIdentifies at-risk loans and determines a plan of action to resolve deficiencies25% Marketing and Sales Represents and promotes FCS Financial at agricultural organization meetings and eventsAttends auctions and sale barns to promote FCS services and productsDetermines appropriate sales approach for potential or current customersDetermines potential business opportunities through relationship building activities including targeted sales calls and onsite visits.Review financial information for cross-sale opportunitiesDetermines proper allocation of marketing budget dollarsContacts internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities ensure customer needs are metContacts external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA's) to coordinate activities and ensure customer needs are met10% 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 estate5%
Training
Attends loan officer development training courses as application and/or assignedn/a
Other duties as assigned to meet the needs of the organization.
Scope of Responsibilities: Responsibility Measure Portfolio Size
Up to $60M
Required SkillsMinimum Qualifications Bachelor's degree in agriculture, business or a related fieldOr 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 processGeneral knowledge of negotiating tacticsGeneral knowledge of marketing strategiesGeneral knowledge of financial services industryGeneral knowledge of the agricultural industryGeneral knowledge of basic accounting principlesSkill in negotiating agreements to achieve the best outcome for the organizationSkill in using Microsoft technologies including Outlook, Word and ExcelSkill in listening and conveying awareness of a customer's problem or issue to find resolutionOral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiencesAbility 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
