Credit Analyst

Apply to this position

Job Title: Credit Analyst
Location: Hybrid/Partial Remote, 65101, MO, Midwest United States, USA

Company: FCS Financial
Industry Sector: Agribusiness
Industry Type: Finance, Banking, Insurance and Real Estate
Career Type: Accounting/Finance/Asset Management
Job Type: Full Time
Salary: Up to $150,000
Job Description:

Credit Analyst

Are you passionate about helping people and making a difference in communities across Missouri? Do you dream of working for a company with a welcoming culture that encourages personal and professional growth? If so, we have the perfect opportunity for you!

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.

The Role: We are searching for an independent, self-motivated and detail-oriented Credit Analyst that is looking for an opportunity for growth. In this role, you will provide recommendations on credit applications, evaluate financial information, develop financial analyses, and interpret and apply credit standards.

What We Offer:

Competitive Salary: Based on experience with multiple opportunities for personal and professional growth including Credit Analyst (salary range of $57,500 - $85,500) Assistant Vice President, Credit (salary range of $63,500 - $107,000) and Vice President, Credit (salary range of $78,500 - $151,000).
Comprehensive Benefits: Health, dental, vision, and a standout 401(k) plan
Growth Opportunities: We are committed to your personal and professional development.
Flexible Work Environment: Hybrid work environment and Flex work schedule will be considered for any of our FCS Financial Branches!

What You Need:

Education: Bachelor's degree in finance, economics or related field
Experience: 2+ years in of related experience
Skills: Ability to communicate complicated information to internal customers and exceed customer expectations.

This position is open until filled.

Candidates must reside in our Loan Servicing Area (Missouri).

Preferred office locations include the following: Jefferson City, Columbia, Farmington, Hannibal, Harrisonville, Macon, Nevada, O'Fallon, and Springfield. All other FCS Financial Branch locations will be considered in our Loan Servicing Area.

The Credit Analyst position is classified as Non-Exempt under the Fair Labor Standards Act.

The Assistant Vice President, Credit and Vice President, Credit are classified as Exempt under the Fair Labor Standards Act.

Department: Credit

Reports To: Vice President Team Leader, Credit

Job Functions*

Percentage	Job Functions
60%	Loan Request Analysis Assesses creditworthiness of borrowers by: Developing long and/or short-term financial projections based on customer financial data Analyzing capital, capacity, collateral, character and conditions of the borrower Comparing the borrower's overall financial position to industry and core lending standards Identifying potential risks of the proposed loan Reviews financial information provided by borrower, determines adequacy of data and requests additional data as needed Determines best approach to consolidating and utilizing the financial data to make a credit recommendation Writes credit narratives summarizing results of credit assessment Recommends approval or denial of loans and the structure and loan conditions to support the recommendation Communicates with senior credit staff for necessary loan approval
25%	Communication Effectively communicate with market facing staff to: Understand the operation and credit application Request additional information with branch staff understanding why the information is needed Relay loan decision and relationship positioning
15%	Professional Development Identifies and participates in training and development opportunities to increase understanding of: Association policies and procedures Functions of other departments Agricultural production, risk management and marketing
n/a	Other duties as assigned to meet the needs of the organization.

Minimum Qualifications

Bachelor's degree in business, finance, economics or a related field
2+ years of related experience
Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Required Knowledge and Skills

Working knowledge of the agriculture industry and the impact of current events on agricultural operations and credit
General knowledge of financial ratios
General knowledge of tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents
General knowledge of the relationship between financial statements and operations
Skill in listening and conveying awareness of a customer's problem or issue to find resolution
Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers
Skill in utilizing Word, Excel and Outlook to increase efficiency and/or effectiveness
Responsible for protecting 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 Human.Resources@myfcsfinancial.com 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.

To apply please click on APPLY TO THIS POSITION

Job Post Date: 02/24/26