Join Our Team at FCS Financial!
At FCS Financial, part of the nationwide Farm Credit System, we are looking for a Loan Officer Trainee to join our Ag & Rural Lending Team! FCS Financial is a member of the largest agriculture lending cooperative in the United States today. FCS is dedicated to supporting agriculture and rural communities in Missouri!
At FCS, we seek individuals who share a passion in assisting your local agriculture community and want an opportunity to grow and work with great people! We are seeking an independent, competitive, highly motivated individual looking to build relationships with new and existing customers! Don't miss out on this opportunity to take your lending career to the next level, apply now! FCS will help provide the tools and resources needed to learn!
What You’ll Do in this role:
- Collaborate with experienced Loan Officers on marketing and loan origination
- Manage portfolios while providing agricultural and financial expertise
- Build and nurture strong relationships with customers and prospects
- Combine your agricultural and business knowledge to offer innovative solutions
- Gain experience through cross-training in various positions, including Sales, Credit, and Crop Insurance
The minimum starting salary for this position is $60,000, however salary is commensurate with experience.
If you also enjoy working for a company that is family friendly with a great total compensation package, don't miss this opportunity to start your agriculture career today!
Initial training location for this Loan Officer Trainee position will be located within our Southwest Missouri Territory in our Lebanon or Springfield Branch. Other office locations may be considered for the initial training period based on the candidates experience and knowledge.
***A permanent location will be identified after the trainee period is complete. Permanent location can be located within any of our branch office locations.***
This position is opened until filled.
This position is classified as Non-Exempt under the Fair Labor Standards Act.
Department: Marketplace
Reports to: Vice President, Team Leader, Ag & Rural Lending
Supervises: None
Job Functions*
| Percentage | Job Functions |
| 20% | Loan Origination/Portfolio Management - Meets with current and new customers to gather, update, and review financial and scope of operation information to determine eligibility
- Completes the Farm Credit Services (FCS) application process in order to submit to the credit department
- Services loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversions
- Determines location for loan closing and coordinates schedules to ensure loan closing time and location meets customer needs.
|
| 20% | Marketing and Sales - Represents and promotes FCS Financial at agricultural organization meetings and events
- Attends auctions and sale barns to promote FCS services and products
- Determines appropriate sales approach for potential or current customers
- Determines potential business opportunities by visiting farms and prospecting
- Contacts internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities ensure customer needs are met
- Contacts external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA’s) to coordinate activities and ensure customer needs are met
|
| 10% | Chattel and Collateral Valuations - Performs Chattel (cattle, crops, machinery) and Collateral valuations (real estate)
- Determines value using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate
|
| 50% | Training, Education and Development - Attends loan officer development training courses as applicable or assigned
- Works directly with FSO/AVP/VP through the entire loan process from beginning to end
- Sits in on customer meetings with the FSO/AVP/VP to observe loan officer-customer interactions
- Takes on new responsibilities as their experience grows, eventually meeting with customers and taking loans from application to closing
- Support team/branches on an as needed basis
|
| 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 agriculture, business or a related field
- Willing to relocate
- 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 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
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