Resource Officer - Special Assets & Loan Structuring

Resource Officer

If you're a strategic thinker with strong credit expertise and a passion for helping customers navigate complex financial situations, we'd like to hear from you. Apply today and help strengthen agriculture while protecting the Association's future.

At FCS Financial, you'll have the opportunity to make a meaningful impact on agriculture and rural communities while working alongside talented professionals who are committed to serving our customers. As a member of the Farm Credit System, we offer a supportive work environment where your contributions truly matter.

Help customers find a path forward while protecting the future of agriculture. FCS Financial is seeking a Resource Officer to manage complex loan restructurings, workout strategies, and high-risk credit relationships. In this role, you'll work closely with customers, lenders, credit professionals, and legal counsel to develop solutions that minimize risk, maximize asset recovery, and support long-term customer success.

• Develop and negotiate loan workout and restructuring strategies for complex problem accounts.
• Analyze risk, collateral values, repayment capacity, and recovery potential.
• Determine loan classifications, asset values, charge-offs, and accrual status.
• Partner with legal counsel on bankruptcies, foreclosures, probate matters, and other recovery actions.
• Manage acquired properties, including valuations, maintenance, marketing, and sales.
• Advise lending teams on risk mitigation strategies and problem loan management.
• Support FSA guaranteed loan programs, loss claims, and reporting requirements.

• Bachelor's degree in Business, Finance, Agricultural Economics, or a related field.
• Five or more years of experience in lending, credit analysis, special assets, collections, or risk management.
• Expertise in credit analysis, loan restructuring, and regulatory compliance.
• Strong knowledge of borrower rights, bankruptcy, foreclosure, and collection practices.
• Excellent negotiation, analytical, and relationship-building skills.
• Understanding of agriculture and agricultural lending.

• Competitive Salary:
  Based on experience with opportunities for personal and professional growth including Resource Officer (salary range of $71,000 – $134,000) and Vice President, Credit (salary range of $98,000 – $170,000).
• Comprehensive Benefits:
  Health, dental, vision, and a standout 401(k) plan.
• Growth Opportunities:
  We are committed to your personal and professional development with on-the-job training. Meaningful work across a diverse ag portfolio.
• Flexible Work Environment:
  Hybrid work environment and Flex work schedule will be considered for any of our FCS Financial Branches!

Ready to put your credit expertise to work solving complex challenges and helping customers succeed? Apply today.

This position is open until filled. Candidates must reside in our Loan Servicing Area (Missouri). This position is classified as Exempt under the Fair Labor Standards Act.