Vice President, Credit

Jefferson City, MO, United States

FCS Financial, a proud member of the nationwide Farm Credit System, is committed to supporting agriculture and rural communities! Are you ready to advance your career? We're currently seeking a Vice President, Credit to join our dynamic team. If you have an agriculture background, are independent, self-motivated, detailed, and provide excellent customer services, we are looking for you! This experienced level Credit role comes with high levels of responsibility on the credit team and includes the opportunity to grow personally and professionally.

In this VP level role, you get to assess creditworthiness, write credit narratives, determine loan classifications, decision credit applications (approve, modify, deny within credit authority), determine and/or recommend the structure and loan conditions, serve on the Credit Loan Committee, participate in relationship management with customers, and mentor and train less experienced credit analysts. If you want to work for a company that offers flexible work options such as flexible hours and hybrid work option now is a great time to join our team! The salary range for this position is $75,000 to $143,000, however salary is commensurate with experience.Potential office locations in Missouri include Jefferson City, Columbia, Springfield, Harrisonville, and O’Fallon.

However, we are open to other office location for the right talent.A Hybrid - Remote Office Work Environment and flexible work schedule will be considered after the initial training period is complete and based off of the candidates’ qualifications and needs.This position is open until filled. This position is classified as Exempt under the Fair Labor Standards Act.Department: CreditReports to: Credit Team LeaderSupervises: NoneResponsibilities/DutiesJob Functions*PercentageJob Functions70%Loan Request AnalysisAssesses creditworthiness of borrowers by:Develope and evaluate long and/or short term financial projections based on customer financial dataAnalyzing capital, capacity, collateral, character, conditions and management ability of the borrowerComparing the borrowers overall financial position to industry and core lending standards and enterprise guidelinesIdentifying potential risks of the proposed loanWrites credit narratives interpreting and supporting results of credit assessmentDetermines loan classification, probability of default and loss given default ratings.Approves, modifiesand/or denies credit applications and servicing actions within delegated credit authorityRecommends approval or denial of loans above delegated credit authorityDetermines or recommends the structure and loan conditions to support approvals/recommendations of approval5%Credit Loan CommitteeServes on the Credit Loan Committee in the third positionConditionally approves loan requests and forwards to the first position on the Credit Loan CommitteeCommunicates with senior Credit staff, Credit Loan Committee and Executive Loan Committee for loan approval5%Mentoring and TrainingProvides guidance and direction to less experienced credit analysts and market facing staffAssesses credit analysts’ and market facing staff skills and identifies training and development needsReviews work of credit analysts and provides feedback on quality of credit analysisDevelops and presents training materials on business and financial analysis5%Agricultural Enterprise ExpertiseResearches, evaluates trends, and quantifies risk profiles

for the enterprises including, swine, poultry, crops, cattle, dairy and service related companiesShares industry knowledge with association Credit and market facing staffReviews front-end guidance and lending procedures to improve processes and outcomesRepresents Association at lending meetings and industry symposiums.10%Monitoring Financial and Loan CovenantsEvaluates compliance with financial and loan covenants on higher risk or high exposure accounts by determining compliance with loan contractInitiates actions to address non-compliance.Conducts perpetual evaluations and assessment of risk5%Relationship ManagementParticipates in customer meetingsProvide trend and quantify data on customer balance sheet, earnings, and repayment capacityn/aOther 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.Required SkillsMinimum QualificationsBachelor’s degree in business, finance, economics, or a related field5 years related experienceOr an equivalent combination of education and experience sufficient to perform the essential functions of the job Required Knowledge and SkillsExpert knowledge of the agriculture industry and the impact of current events on agricultural operations and creditExpert knowledge of financial ratiosExpert knowledge of Association lending procedures and policiesSkill in developing loan covenantsExpertise in loan structuring and negotiating loan terms and conditionsExpertise in reading and interpreting tax returns, profit and loss statements,

balance sheets, cash flows and similar financial documentsExpertise in understanding relationship between financial statements and operationsExpertise in listening and conveying awareness of a customer's problem or issue to find resolutionWorking knowledge of hedging and risk management techniquesOral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customersSkill in negotiating agreements to achieve the best outcome for the organizationSkill in processing complex, detailed forms, and documents in an accurate and thorough mannerSkill in applying processes and procedures to factual data to come to a logical decisionSkill in utilizing Word, Excel, and Outlook to increase efficiency and/or effectivenessResponsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data Scope of Responsibilities:ResponsibilityMeasureIndividual Authority LevelLevel 7Credit Loan CommitteePosition 2

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