Underwriting Manager

VICE PRESIDENT, AGRIBUSINESS UNDERWRITING Are you ready to help shape the future of agribusiness lending? We’re seeking a dynamic and experienced underwriter to join our team as VP, Agribusiness Underwriting. This is more than a credit role; it’s a chance to influence the financial success of rural America’s most innovative agricultural enterprises. About Us At FCS Financial, we are dedicated to positively impacting our customers and communities. As a member of the Farm Credit System, we offer a supportive work environment where your contributions truly matter. About the Role As a key member of our credit team, the VP, Agribusiness Underwriting will lead the analysis and structuring of complex agribusiness and commercial lending opportunities, including multi‑lender transactions. This is more than a traditional underwriting role—you will collaborate closely with relationship managers, legal counsel, and senior leadership to deliver strategic, risk‑mitigated credit solutions that drive responsible growth across diverse agricultural sectors. What We Offer Competitive Salary: Based on experience $79,000 - $140,000 with outstanding incentive opportunities linked to Association performance. Growth Opportunities: We are committed to your personal and professional development. Comprehensive Benefits: A highly competitive benefits package designed to support your health, financial well‑being, and work‑life balance. Flexible Work Environment: Preferred locations include Jefferson City, O’Fallon, Harrisonville, Macon, Columbia, Hannibal or Springfield. Opportunity for a hybrid or flex work schedule after initial training. All FCS Financial locations with available space will be considered. Collaborative Culture: Work alongside a supportive, experienced team committed to your success. What You’ll Do Analyze complex agribusiness loan requests and develop detailed financial forecasts. Assess borrower creditworthiness using industry benchmarks and sound lending principles. Structure credit facilities that effectively balance risk and growth. Prepare comprehensive credit narratives, including loan recommendations, conditions, and classifications. Monitor borrower performance and compliance with financial covenants; recommend corrective actions as needed. Participate in customer meetings to gather operational insights and communicate lending requirements. Partner with relationship managers to align credit decisions with portfolio growth objectives. Support internal credit committees with recommendations and documentation reviews. Identify and collect required financial information to support loan origination and servicing. What You Bring Education: Bachelor’s degree in finance, economics or a related field. Experience: 5+ years in agribusiness lending or underwriting. Skills: Exceptional communication, negotiation, and decision‑making skills. 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 essential functions. 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 accurately and thoroughly. 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. Equal Employment Opportunity Statement We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at View email address on click.appcast.io and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case‑by‑case basis. Only inquiries concerning a request for reasonable accommodation will be responded to from this e‑mail address. For more information about our commitment to equal employment opportunity, please click here. 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. #J-18808-Ljbffr