Loan Officer - Agriculture Relationship ManagerHelp Fuel the Future of Agriculture in Missouri The Opportunity
We're looking for an energetic, relationship-driven professional to join our Macon, Missouri team as a
Loan Officer - Agricultural Relationship Manager.
In this role, you'll:
- Develop trusted relationships with farmers, agribusinesses, and rural customers.
- Build and manage a successful agricultural and consumer lending portfolio.
- Identify opportunities to help customers achieve their financial goals.
- Provide exceptional service and ongoing support to member-owners.
- Represent FCS Financial in the community and help grow our presence in the local market.
This is an ideal opportunity for someone who enjoys meeting people, solving problems, and creating long-term relationships while serving the agricultural industry.
Why Join FCS Financial - Purpose Driven Work: Help support Missouri agriculture and rural communities.
- Career Growth: Build a rewarding career with an organization that invests in your development and success.
- Relationship Focused Environment: Work alongside talented professionals who are passionate about serving our member owners.
- Competitive Total Rewards: Enjoy a highly comprehensive salary, incentive opportunities, and benefits package designed to support you at work and at home. Based on experience, multiple growth opportunities are available including:
- Financial Services Officer: $58,000 - $85,000
- Assistant Vice President, Ag & Rural Lending: $64,000 - $107,000
- Vice President, Ag & Rural Lending: $79,000 - $151,000
What You Need - Bachelor's degree in Agriculture, Business, Finance, or a related field.
- Knowledge of sales, marketing strategies, financial services, agricultural operations, negotiation skills, and basic accounting principles.
- A self-motivated, results-oriented mindset.
- Passion for providing exceptional customer service.
Join a team that's helping agriculture thrive while building a career you'll be proud of. Apply today!
Location Macon, Missouri
Position Details Status: Open until filled.
Classification: 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
