Loan Officer, Ag & Rural Lending

Loan Officer, Ag & Rural Lending Are you ready to advance your career with a respected agricultural lending institution and make a positive impact on Missouri communities? If you’re proactive, friendly, detail-oriented, passionate about agriculture and building customer relationships, this opportunity could be a great fit for you! About Us FCS Financial, part of the nationwide Farm Credit System, takes pride in its commitment to agriculture and its members. We provide a supportive work environment that encourages both personal and professional growth. The Role We’re looking for a self‑starter and motivated Loan Officer to join our team in Nevada, Missouri. In this role, you’ll work closely with our member owners, develop strong relationships, grow and maintain your own ag and consumer loan portfolio, and provide servicing on existing loans. This position is ideal for someone who values frontline customer interaction and enjoys supporting lending operations. What We Offer Top‑Notch Benefits: A highly competitive compensation and benefits package. Community Impact: Be part of an organization that supports local agriculture and rural communities. Growth Opportunities: We support your career development and personal growth. What You Need Education: Bachelor’s degree in agriculture, business or a related field. Skills: Sales, negotiating tactics, marketing strategies, financial and agricultural industries, basic accounting principles. Attitude: A positive, customer‑focused approach. This position is open until filled. This position is located in Nevada, Missouri. This position is classified as Exempt under the Fair Labor Standards Act. Department: Marketplace Reports To: Vice President Team Leader, Ag & Rural Lending Supervises: None Job Functions Loan Origination/Portfolio Management (60%) Meet with current customers and prospects to gather, update, and review financial and scope of operation information to determine eligibility. Complete the Farm Credit Services (FCS) application process in order to submit to the credit department. Analyze credit for new actions and servicing actions. Verify financial documentation and closing conditions. Determine product pricing. Communicate credit decision and complete required steps for closing. Determine location for loan closing and coordinate schedules to ensure loan closing time and location meets customer needs. Service loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversions. Identify at‑risk loans and determine a plan of action to resolve deficiencies. Marketing and Sales (25%) Represent and promote FCS Financial at agricultural organization meetings and events. Attend auctions and sale barns to promote FCS services and products. Determine appropriate sales approach for potential or current customers. Determine potential business opportunities through relationship building activities including targeted sales calls and onsite visits. Review financial information for cross‑sale opportunities. Determine proper allocation of marketing budget dollars. Contact internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities and ensure customer needs are met. Contact external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA’s) to coordinate activities and ensure customer needs are met. Chattel and Collateral Valuations (10%) Perform chattel (cattle, crops, machinery) and collateral valuations (real estate). Determine value using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate. Training (5%) Attend loan officer development training courses as assigned. 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 the 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. 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. Please note that 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. #J-18808-Ljbffr FCS Financial, ACA