VICE PRESIDENT, AGRIBUSINESS UNDERWRITING

In this role, you'll play a critical part in evaluating and structuring complex lending opportunities, partnering with relationship managers and senior leaders to deliver sound credit decisions that support both customer growth and portfolio quality.

The Opportunity

We're looking for a collaborative, solution-oriented leader to help guide the financial success of large and complex agribusiness relationships.

In this role, you'll:

• Analyze sophisticated lending opportunities.
• Develop innovative credit structures.
• Provide strategic recommendations that balance growth and risk.
• Work closely with relationship managers, customers, legal counsel, and leadership teams.
• Deliver customized financing solutions for some of the region's most dynamic agricultural businesses.

This role is ideal for someone who enjoys financial analysis, strategic problem-solving, building trusted partnerships, and influencing key business decisions. You'll have the opportunity to become a recognized expert in agribusiness lending while helping strengthen agriculture across Missouri and beyond.

Why Join FCS Financial:

• Purpose Driven Work: Support agriculture, agribusiness, and rural communities that help feed and fuel the world.
• Career Growth: Join an organization committed to your professional development and long-term career success.
• Collaborative Culture: Work alongside experienced professionals who value teamwork, expertise, and innovation.

• Work Where You Work Best: This position offers flexibility to work in a branch, hybrid, or remote based on business needs, experience and location.
• Competitive Total Rewards: Competitive salary based on experience ($79,000-$151,000) plus performance-based incentive opportunities and a comprehensive benefits package designed to support you at work and at home.

Who Thrives in This Role?
This role is perfect for someone who:

• Enjoys solving complex financial challenges.
• Thinks strategically and makes sound business decisions.
• Wants to influence large-scale lending relationships.
• Builds strong partnerships across teams and customers.
• Has a passion for agriculture, finance, and continuous learning.

What You Bring:

• Bachelor's degree in Finance, Economics, Agriculture, Business, or a related field.
• Five or more years of agribusiness lending, underwriting, or credit analysis experience.
• Strong financial analysis, risk assessment, and credit structuring skills.
• Experience evaluating complex commercial or agribusiness lending relationships.
• Excellent communication, negotiation, and decision-making abilities.
• A collaborative mindset with a passion for helping customers and agriculture succeed.

If you're ready to leverage your credit expertise, influence strategic decisions, and help support the success of agribusinesses across rural America, we'd love to hear from you.

Apply today to help shape the future of agriculture finance.

This position is open until filled.
This position is classified as Exempt under the Fair Labor Standards Act.

Department: Credit
Reports To: Vice President Team Leader Credit; Commercial & Agribusiness Lending Supervises: None

Job Functions*

Percentage

Job Functions

50%

Loan Request Analysis

• Assesses creditworthiness of agribusiness borrowers by:
• Develops and evaluates long and/or short-term financial projections based on customer financial data

• Analyzes capital, capacity, collateral, character, conditions and management ability of the borrower

• Compares the borrowers' overall financial position to industry and core lending standards and enterprise guidelines

• Identifies potential risks of the proposed loan and contingencies and develops loan structure that mitigates risk.

• Writes credit narratives interpreting and supporting results of credit and management assessment
• Determines loan classification, probability of default, and loss given default ratings
• Approves, modifies and/or denies credit applications and servicing actions within delegated credit authority and as Loan Committee member. Recommends approval or denial of loans above delegated credit authority
• Determines or recommends the structure and loan conditions to support approvals/recommendations of approval
• Engages internal and 3rd party legal counsel to develop, obtain, and review the appropriate loan documentation as needed
• Prepare, review, approve servicing actions

20%

Account Monitoring and Covenant Compliance Reporting

• Determines borrower compliance with financial and loan covenants
• Recommends covenant enforcement, waiver, or nonmonetary loan default
• Writes narrative reports to Senior and Executive Management on the effectiveness of account monitoring identifying deficiencies affecting credit administration and lending risk.
• Initiates actions to address non-compliance

Conducts perpetual evaluations and assessment of risk

10%

Credit Loan Committee

• Serves on the Credit Loan Committee
• Conditionally approves loan requests and forwards to remaining Committee members
• Communicates with senior Credit staff, Credit Loan Committee and Executive Loan Committee for loan approval

10%

Agricultural Enterprise Expertise

• Researches, evaluates trends, and quantifies risk profiles for enterprises including; swine, poultry, crops, cattle, dairy, and service related companies
• Shares industry knowledge with Association credit and market facing staff
• Reviews front-end guidance and lending procedures to improve processes and outcomes
• Represents Association at lending meetings and industry symposiums

10%

Relationship Management

• Participates in customer meetings to negotiate, communicate, and educate customers on lending requirements and reporting expectations
• Provides trend data on customer balance sheet, earnings, and repayment capacity quantifying the impact of business operations
• Observe and review inspections when requested by relationship managers
• Engage customers on site to observe and obtain knowledge of their operations

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 business, finance, economics, or a related field
• 5 years related experience
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Required Knowledge and Skills

• Expert knowledge of the agriculture industry and the impact of current events on agricultural operations and credit
• Expert knowledge of financial ratios
• Expert knowledge of Association lending procedures and policies
• Skill in developing loan covenants
• Expertise in loan structuring and negotiating loan terms and conditions
• Expertise in reading and interpreting tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents
• Expertise in understanding relationship between financial statements and operations
• Expertise in listening and conveying awareness of a customer's problem or issue to find resolution
• Working knowledge of hedging and risk management techniques
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customers
• Skill in negotiating agreements to achieve the best outcome for the organization
• Skill in processing complex, detailed forms, and documents in an accurate and thorough manner
• Skill in applying processes and procedures to factual data to come to a logical decision
• Skill in utilizing Word, Excel, and Outlook to increase efficiency and/or effectiveness
• Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data

Category:

• Agribusiness , Credit , Credit Analysis

experience level:

• Mid Level

job Type:

• Full-Time