Head of Rural 1st Credit

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Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 14 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

SCHEDULE: Full Time, Onsite
TRAVEL REQUIRED: 0% - 25%

Compensation: The salary range for this position is estimated to be $ – $ annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget.

The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

• Medical, dental, and vision insurance
• Well-being and fitness reimbursement programs
• Paid vacation, sick leave, and holidays
• 401(k) plan with company contributions and matching opportunities
• Paid parental leave
• Short-term and long-term disability coverage
• Tuition reimbursement and professional development programs
• Community involvement and volunteer opportunities
• Variable compensation opportunities for eligible positions

The Head of Rural 1st Credit provides strategic leadership for consumer credit operations, guiding underwriting, servicing, and resolution activities across the Rural 1st portfolio. This role shapes credit strategy, drives disciplined risk management, and aligns credit outcomes with customer experience, loan quality, legal compliance, and process/technology efficiency while delivering continuously improved financial performance objectives.

The Head of Rural 1st Credit provides senior-level leadership through other leaders, aligning strategy, developing talent, and strengthening organizational effectiveness. They shape leadership capability, enhance collaboration across teams, and cultivate a consistent culture grounded in shared expectations, performance, and values.

• Holds accountability for consumer credit underwriting and related credit performance, including meeting Service Level Agreements (SLAs), turn time expectations, and accurate reporting; proactively identifies inefficiencies, removes process constraints, and implements timely course corrections.
• Establishes and reviews key metrics for credit quality, administration, accuracy, and compliance.
• Monitors the quality of the consumer credit loan portfolio by reporting specific adverse credit trends, opportunities, risks, or problems to executive leadership.
• Exercises delegated lending authorities and reviews complex or high-risk credit decisions as required.
• Applies advanced credit expertise and judgment to resolve complex issues and guide decisions in ambiguous or evolving situations.
• Develops and manages the Consumer Credit departmental budget, identifies and monitors department efficiency metrics, aligns fiscal decisions with Association values, strategic priorities, and stewardship expectations.
• Provides leadership through other leaders to advance shared organizational…