Vice President, Agribusiness Underwriting

VICE PRESIDENT, AGRIBUSINESS UNDERWRITING

Are you ready to help shape the future of agribusiness lending? We’re seeking a dynamic and experienced underwriter to join our team as VP, Agribusiness Underwriting. This is more than a credit role; it’s a chance to influence the financial success of rural America’s most innovative agricultural enterprises.

At FCS Financial, we are dedicated to positively impacting our customers and communities. As a member of the Farm Credit System, we offer a supportive work environment where your contributions truly matter.

As a key member of our credit team, the VP, Agribusiness Underwriting will lead the analysis and structuring of complex agribusiness and commercial lending opportunities, including multi-lender transactions.

This is more than a traditional underwriting role—you will collaborate closely with relationship managers, legal counsel, and senior leadership to deliver strategic, risk-mitigated credit solutions that drive responsible growth across diverse agricultural sectors.

• Competitive Salary: Based on experience $79,000 - $140,000 with outstanding incentive opportunities linked to Association performance.
• Growth Opportunities: We are committed to your personal and professional development.
• Comprehensive Benefits: A highly competitive benefits package designed to support your health, financial well‑being, and work‑life balance.
• Flexible Work Environment: FCS Financial preferred locations include Jefferson City, O’Fallon, Harrisonville, Macon, Columbia, Hannibal or Springfield. There is opportunity for a Hybrid or Flex Work Schedule after an initial training period. Note that all FCS Financial locations with available space will be considered; the ones mentioned above are preferred.
• Collaborative Culture: Work alongside a supportive, experienced team committed to your success.

• Analyze complex agribusiness loan requests and develop detailed financial forecasts
• Assess borrower creditworthiness using industry benchmarks and sound lending principles
• Structure credit facilities that effectively balance risk and growth
• Prepare comprehensive credit narratives, including loan recommendations, conditions, and classifications
• Monitor borrower performance and compliance with financial covenants; recommend corrective actions as needed
• Participate in customer meetings to gather operational insights and communicate lending requirements
• Partner with relationship managers to align credit decisions with portfolio growth objectives
• Support internal credit committees with recommendations and documentation reviews
• Identify and collect required financial information to support loan origination and servicing

• Education: Bachelor’s degree in finance, economics or related field
• Experience: 5+ year’s experience in agribusiness lending or underwriting
• Skills: Exceptional communication, negotiation, and decision‑making skills.

This position is open until filled.

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

Department: Credit

Reports To: Vice President Team Leader Credit;
Commercial & Agribusiness Lending

50%

Loan Request Analysis

• Assesses creditworthiness of agribusiness borrowers by:
• Develops and evaluates long and/or short-term financial projections based on customer financial data
• Analyzes capital, capacity, collateral, character, conditions and management ability of the borrower
• Compares the borrowers’ overall financial position to industry and core lending standards and enterprise guidelines
• Identifies potential risks of the proposed loan and contingencies and develops loan structure that mitigates risk.
• Writes credit narratives interpreting and supporting results of credit and management assessment
• Determines loan classification, probability of default, and loss given default ratings
• Approves, modifies and/or denies credit applications and servicing actions within delegated credit authority and as Loan Committee member. Recommends approval or denial of loans above delegated credit authority
• Determines or recommends the structure and loan conditions to support approvals/recommendations of approval
• E…