Vice President, Agribusiness Underwriting

VICE PRESIDENT, AGRIBUSINESS UNDERWRITING

Are you ready to help shape the future of agribusiness lending? We’re seeking a dynamic and experienced underwriter to join our team as VP, Agribusiness Underwriting. This is more than a credit role; it’s a chance to influence the financial success of rural America’s most innovative agricultural enterprises.

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.

As a key member of our credit team, the VP, Agribusiness Underwriting will lead the analysis and structuring of complex agribusiness and commercial lending opportunities, including multi‑lender transactions. This is more than a traditional underwriting role—you will collaborate closely with relationship managers, legal counsel, and senior leadership to deliver strategic, risk‑mitigated credit solutions that drive responsible growth across diverse agricultural sectors.

• Competitive Salary: Based on experience $79,000 - $140,000 with outstanding incentive opportunities linked to Association performance.
• Growth Opportunities: We are committed to your personal and professional development.
• Comprehensive Benefits: A highly competitive benefits package designed to support your health, financial well‑being, and work‑life balance.
• Flexible Work Environment: Preferred locations include Jefferson City, O’Fallon, Harrisonville, Macon, Columbia, Hannibal or Springfield. Opportunity for a hybrid or flex work schedule after initial training. All FCS Financial locations with available space will be considered.
• Collaborative Culture: Work alongside a supportive, experienced team committed to your success.

• Analyze complex agribusiness loan requests and develop detailed financial forecasts.
• Assess 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.
• Partner 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.

• Education: Bachelor’s degree in finance, economics or a related field.
• Experience: 5+ years in agribusiness lending or underwriting.
• Skills: Exceptional communication, negotiation, and decision‑making skills.

• Bachelor’s degree in business, finance, economics, or a related field.
• 5 years related experience.
• Or an equivalent combination of education and experience sufficient to perform essential functions.

• 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.
• Skill in developing loan covenants.
• 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.
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customers.
• Skill in negotiating agreements to achieve the best outcome for the organization.
• Skill in processing complex, detailed forms, and documents accurately and thoroughly.
• Skill in applying processes and…