Loan Officer, Ag & Rural Lending

Description/Job SummaryAt 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: MarketplaceReports to: Vice President, Team Leader, Ag & Rural LendingSupervises: NoneResponsibilities/DutiesJob FunctionsPercentageJob Functions60%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:ResponsibilityMeasurePortfolio SizeUp to $55MRequired SkillsMinimum 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