Internal Auditor & Credit Reviewer

Internal Auditor & Credit Reviewer

Why FCS Financial? Ever dreamed of being part of an organization with deep roots in agriculture and the community? For over 100 years, as part of the Farm Credit System, we've been supporting agriculture and rural communities in Missouri. If you are passionate about evaluating risk, strengthening internal controls, promoting sound lending practices, and helping ensure organizational excellence, this is your opportunity to make a lasting impact!

As an Internal Auditor & Credit Reviewer, you will play a key role in supporting the Association's risk management, governance, and compliance efforts. You'll conduct independent audits and credit reviews to evaluate internal controls, operational effectiveness, regulatory compliance, and credit quality. Working across departments, you'll provide valuable insights and recommendations that help the Association maintain strong financial performance and operational integrity.

• Competitive Salary: $60,000 - $85,000 - Competitive compensation based on experience and qualifications, with outstanding incentive opportunities linked to Association performance.
• Growth Opportunities:Opportunity to help shape the Association's risk management and internal review processes.
• Comprehensive Benefits:A highly competitive benefits package designed to support your health, financial well-being, and work-life balance.
• Flexible Work Environment:Hybrid work environment and flexible work schedule options available at FCS Financial branch locations throughout Missouri.
• Collaborative Culture:Work closely with leadership, lending, risk, compliance, and operational teams across the Association.

• Internal Auditing:Perform risk-based audits to assess internal controls, operational effectiveness, and compliance with policies and regulations.
• Credit Review:Independently evaluate loan portfolios, underwriting practices, credit administration processes, and risk-rating accuracy.
• Risk Assessment:Identify potential risks, control weaknesses, and opportunities for process improvement.
• Reporting:Prepare clear and actionable audit and credit review work papers that support audit recommendations and final management reports.
• Compliance:Evaluate adherence to Farm Credit Administration regulations, Association policies/procedures, and industry standards.
• Follow-Up & Monitoring:Help track corrective actions and validate the implementation of management responses.
• Continuous Improvement:Promote best practices and support a culture of accountability, transparency, and operational excellence.

• Education: Bachelor's degree in Accounting, Finance, Business Administration, Agricultural Business, or a related field (or equivalent experience).
• Experience:Experience in internal auditing, credit review, lending, risk management, accounting, compliance, or a related financial services field.

• Strong understanding of internal controls, auditing methodologies, and risk assessment principles.
• Knowledge of lending operations, credit analysis, loan documentation, and credit risk management.
• Familiarity with financial institution regulations and compliance requirements.
• Excellent analytical and problem-solving abilities.
• Strong written and verbal communication skills with the ability to communicate findings effectively.
• Ability to manage multiple priorities and work independently while collaborating with cross-functional teams.
• Proficiency in reviewing financial statements, credit files, and operational processes.

Preferred office location is Jefferson City, MO.All FCS Financial Branch Locations with available workspace will be considered. Hybrid work environment and flexible work schedule will be considered.

This position is open until filled.

Candidates must reside in Missouri to be considered for this position.

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

Department:
Internal Audit & Review

Reports To:

Vice President, Internal Audit & Review

Supervises:
None

• 15% Internal Audit:
  Performs operational audits of areas of the association as defined by the audit plan. Audits for compliance with policies, procedures and regulatory requirements. Coordinates information for outside audit and examination groups as assigned; provides explanatory information, responds to questions and performs additional follow-up as necessary. Draws independent conclusions regarding the effectiveness of organizational controls and documents accordingly within audit work papers.
• 80% Internal Credit Review:
  Provides input regarding loan review samples. Reviews loans to ensure credit administration practices align with policies, procedures, and regulatory requirements. Evaluates credit analyses to ensure proper risk identification of loans. Identifies and documents deficiencies. Inputs data and information to capture results. Performs branch visits to build rapport with staff.
• 5% Reporting and Follow-Up:
  Provides input regarding…