Vice President Team Leader, Credit

 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, analytical, collaborative, and value accuracy, and want to make a meaningful impact, this role could be a great fit for you!

 About Us: At FCS Financial, part of the nationwide Farm Credit System, we take pride in our commitment to agriculture and our members. We provide a supportive work environment that encourages both personal and professional growth.

 The Role: We’re looking for a highly skilled and detail-driven professional to lead a part of our underwriting team and support sound credit decision-making across the Association. In this role, you will perform comprehensive credit analysis and underwriting along with approving or recommending credit actions within delegated authority. This role evaluates borrower financial strength, identifies risks, prepares clear credit narratives, and provides guidance and development to credit analysts on their team. It is well suited for someone who values accuracy, excels in analytical work, and thrives in a collaborative, high-impact environment. 

Key Responsibilities:

• Lead, coach, and develop credit analysts while managing workload and training needs.
• Conduct comprehensive credit evaluations, including analysis of character, capacity, cash flow, capital, collateral, and conditions.
• Compare borrower performance to industry standards and identify key credit risks.
• Determine appropriate loan structures, terms, and financing scope.
• Ensure financial ratios meet lending standards or are supported by compensating strengths.
• Complete probability-of-default and loss-given-default assessments to support credit decisions.
• Approve or recommend credit actions within delegated authority and prepare clear credit narratives.
• Serve on Credit Loan Committees and present recommendations to senior committees.
• Review, amend, approve, or deny credit actions beyond other analysts’ authority.

What We Offer:

• Competitive Salary: Based on experience $98,000 - $140,000 with outstanding incentive opportunities linked to Association performance.
• 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:  Any FCS Financial location will be considered with the opportunity for a Hybrid or Flex Work Schedule after an initial training period.

What You Need:

• Education: Bachelor’s degree in finance, economics, account, business or related field
• Experience: 5+ years’ experience of credit and business analysis experience
• Skills: Exceptional communication, negotiation, decision-making skills, and motivating direct reports

This position is open until filled.

This position is classified as Exempt under the Fair Labor Standards Act. 

Department: Credit 

Reports To: Senior Vice President, Underwriting

Supervises: Credit Analysts

Job Functions*

Minimum Qualifications

• Bachelor’s degree in economics, accounting, agricultural economics, finance, business or related field
• 5 years of credit and business analysis experience
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

 Required Knowledge and Skills

• Expertise in the agriculture industry and the impact of current events on agricultural operations and credit
• Expertise in financial ratios, criteria and production performance measures for Ag production
• Expertise in Association lending procedures and policies
• Expertise in loan covenants
• Expertise in loan structuring and negotiating loan terms and conditions
• Expertise in analyzing 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
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customers
• Skill in applying processes and procedures to factual data to come to a logical decision
• Skill in selecting, managing, coaching, motivating and developing direct reports
• Skill in gathering, compiling and organizing information
• Skill in communicating objectives and delegating responsibility
• 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

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.