VICE PRESIDENT, AGRIBUSINESS UNDERWRITING

About the role

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.

Responsibilities

• Analyze complex agribusiness loan requests and develop detailed financial forecasts
• Absess borrower creditworthiness using industry benchmarks and sound lending principles
• Structure credit facilities that effectively balance risk and growth
• Prepare comprehensive credit narratives, including loan recommendations, conditions, and classifications
• Monitor borrower performance and compliance with financial covenants; recommend corrective actions as needed
• Participate in customer meetings to gather operational insights and communicate lending requirements
• Parellel with relationship managers to align credit decisions with portfolio growth objectives
• Support internal credit committees with recommendations and documentation reviews
• Identify and collect required financial information to support loan origination and servicing

Requirements

• Education: Bachelor’s degree in finance, economics or related field
• Experience: 5+ years experience in agribusiness lending or underwriting

Qualifications

• Exceptional communication, negotiation, and decision-making skills

Skills

• Expert knowledge of the agriculture industry and the impact of current events on agricultural operations and credit
• Expert knowledge of financial ratios
• Expert knowledge of Association lending procedures and policies
• Expertise in loan structuring and negotiating loan terms and conditions
• Expertise in reading 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
• Expertise in listening and conveying awareness of a customer's problem or issue to find resolution
• Working knowledge of hedging and risk management techniques

Benefits

We offer a highly competitive benefits package designed to support your health, financial well-being, and work-life balance.

Pay

Competitive Salary: Based on experience $79,000 - $140,000 with outstanding incentive opportunities linked to Association performance.

Schedule

FCS Financial preferred locations include Jefferson City, O’Fallon, Harrisonville, Macon, Columbia, Hannibal or Springfield. There is opportunity for a Hybrid or Flex Work Schedule after an initial training period. Note that all FCS Financial locations with available space will be considered, the ones mentioned above are preferred.

Collaborative Culture

Work alongside a supportive, experienced team committed to your success.