Rural 1st Underwriter

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 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

Schedule: Full Time, Hybrid
Travel Required: 0% - 25%

Compensation: The salary range for this position is estimated to be $60,265.00 – $ 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 Rural 1st Underwriter analyzes and decisions consumer loans, provides guidance on loan servicing actions, and supports other credit services in accordance with association standards and industry regulations.

This role contributes independently to routine and recurring work with growing confidence and consistency. It applies established procedures, manages assigned responsibilities effectively, and collaborates with others to support business outcomes. Team members at this level are expanding functional knowledge, strengthening judgment, and developing problem-solving skills within defined parameters.

• Partners with sales and internal and external stakeholders to understand customer objectives, financial position, and credit risks, structuring sound and innovative credit solutions that meet customer needs, comply with service level expectations, and maintain association credit quality standards.
• Analyzes new loan applications originated by sales teams and alliance partners, exercising delegated authority to deliver timely credit decisions and recommend appropriate terms and conditions to manage risk.
• Reviews and evaluates servicing related loan requests requiring credit decisions, balancing customer needs with prudent risk management.
• Maintains current knowledge of industry and consumer lending trends, Rural 1st market dynamics, and updates to the Association’s credit philosophy, policies, and standards to support consistent, high quality underwriting decisions.
• Leads and participates in cross training and job shadowing initiatives to broaden credit knowledge within the Consumer Credit teams and across partnering functions.
• Completes routine assignments independently using established procedures and sound judgment.
• Applies working knowledge to resolve common issues and identifies when to seek guidance.
• Communicates clearly with teammates and internal partners to…