Resource Officer - Special Assets & Loan Structuring

About Us

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. M meaning full 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?

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.

• Determines the problem loan strategy that results in the greatest benefit and least cost to the association
• Completes and approves or denies least cost analysis of borrower’s application for restructuring with consideration for Borrower Rights and customer needs
• Effectively negotiates loan workout/restructuring terms with customers and/or indirectly through other Association Staff or legal counsel to
• Advise Credit and Marketplace staff team members on alternatives to service, correct/modify loan anomalies and/or improve risk mitigation in maintain or move the relationship
• Completes work independently with a limited degree of supervision. Solves moderately to higher complex problems within established policies and procedures as well as government regulations.
• Obtain sufficient information for preparation and reporting the FSA guarantee reports, loss claims and applications.
• Mentors and collaborates with other Resource Team members of Resource Managers, Resource Specialists and Association staff on risk identification and mitigation strategies
• Collaborates with lead lenders on adversely classified participation accounts to protect interests of Association.
• Determines proper accounting for loan modifications
• Determines loan asset values, specific allowances, charge-offs, and accrual status
• Works with legal counsel on legal actions to be taken on accounts, including foreclosures, bankruptcies,…