Loan Officer, Ag & Rural Lending

Loan Officer, Ag & Rural Lending

Are you ready to advance your career with a respected agricultural lending institution and make a positive impact on Missouri communities? If you’re proactive, friendly, detail-oriented, passionate about agriculture and building customer relationships, this opportunity could be a great fit for you!

FCS Financial, part of the nationwide Farm Credit System, takes pride in its commitment to agriculture and its members. We provide a supportive work environment that encourages both personal and professional growth.

We’re looking for a self‑starter and motivated Loan Officer to join our team in Nevada, Missouri. In this role, you’ll work closely with our member owners, develop strong relationships, grow and maintain your own ag and consumer loan portfolio, and provide servicing on existing loans. This position is ideal for someone who values frontline customer interaction and enjoys supporting lending operations.

• Top‑Notch Benefits: A highly competitive compensation and benefits package.
• Community Impact: Be part of an organization that supports local agriculture and rural communities.
• Growth Opportunities: We support your career development and personal growth.

• Education: Bachelor’s degree in agriculture, business or a related field.
• Skills: Sales, negotiating tactics, marketing strategies, financial and agricultural industries, basic accounting principles.
• Attitude: A positive, customer‑focused approach.

This position is open until filled.

This position is located in Nevada, Missouri.

This position is classified as Exempt under the Fair Labor Standards Act.

Department:
Marketplace

Reports To:

Vice President Team Leader, Ag & Rural Lending

Supervises:
None

• Loan Origination/Portfolio Management (60%)
  • Meet with current customers and prospects to gather, update, and review financial and scope of operation information to determine eligibility.
  • Complete the Farm Credit Services (FCS) application process in order to submit to the credit department.
  • Analyze credit for new actions and servicing actions.
  • Verify financial documentation and closing conditions.
  • Determine product pricing.
  • Communicate credit decision and complete required steps for closing.
  • Determine location for loan closing and coordinate schedules to ensure loan closing time and location meets customer needs.
  • Service loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversions.
  • Identify at‑risk loans and determine a plan of action to resolve deficiencies.
• Marketing and Sales (25%)
  • Represent and promote FCS Financial at agricultural organization meetings and events.
  • Attend auctions and sale barns to promote FCS services and products.
  • Determine appropriate sales approach for potential or current customers.
  • Determine potential business opportunities through relationship building activities including targeted sales calls and onsite visits.
  • Review financial information for cross‑sale opportunities.
  • Determine proper allocation of marketing budget dollars.
  • Contact internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities and ensure customer needs are met.
  • Contact external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA’s) to coordinate activities and ensure customer needs are met.
• Chattel and Collateral Valuations (10%)
  • Perform chattel (cattle, crops, machinery) and collateral valuations (real estate).
  • Determine value using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate.
• Training (5%)
  • Attend loan officer development training courses as assigned.
• Other duties as assigned to meet the needs of the organization.

* Essential Functions for this position consist of all items listed under any category that make up 5% or more of the job duties. This job description is subject to change without notice.

• Bachelor’s degree in agriculture, business or a related field.
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the…