Loan Officer Trainee

Description/Job Summary

At FCS Financial, part of the nationwide Farm Credit System, we are looking for a Loan Officer Trainee to join our 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!

In the Loan Officer Trainee position, you will work closely with other Loan Officers to focus on marketing, loan origination and portfolio management, and providing agricultural and financial expertise to customers and prospects while building strong relationships with these individuals! You will have the opportunity to combine your agricultural and business knowledge with an in-depth understanding of each customer's current needs to provide innovative and workable alternatives to solve problems the customer faces in their ongoing business operations. You will also cross train with different positions within the Association, such as the Sales, Credit, or Crop Insurance!

Initial training location for this Loan Officer Trainee position will be located within our Southwest Missouri Territory in our Springfield Branch. (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.

Department: Marketplace

Reports to: Vice President, Team Leader, Traditional/PT Farmer

Supervises: None

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

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!

Required Skills

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 - Simply reworded to stay consistent with other job descriptions.

• 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

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 .