Loan Officer Trainee, 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! About Us:At FCS Financial, part of the nationwide Farm Credit System, we take pride in our commitment to agriculture and our members. We provide a supportive work environment that encourages both personal and professional growth. The Role:We're looking for an independent, competitive, highly motivated individual who is community focused and eager to learn about what FCS Financial has to offer. In this role, you will shadow other Loan Officers to help develop relationships, grow and maintain your own consumer and ag loan portfolio, and provide servicing on existing loans. This position is ideal for someone who values frontline customer interaction and enjoys supporting lending operations. What We Offer:
- Competitive Salary: $51,000 - $74,500
- Top-Notch Benefits:A highly competitive compensation and benefits package.
- Growth Opportunities:We support your career development and personal growth.
What You Need:
- Education:Bachelor's degree in agriculture, business or a related field
- Skills:General knowledge in sales, negotiating tactics, marketing strategies, financial and agricultural industries, basic accounting principles
- Exposure:Agriculture, finance, and farming knowledge is a plus!
This position is open until filled. This position is located in Sedalia, Missouri. This position is classified as Non-Exempt under the Fair Labor Standards Act. Department: Marketplace Reports To: Vice President Team Leader, Ag & Rural Lending Supervises: None Job Functions*
Percentage
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Job Functions
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20%
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Loan Origination/Portfolio Management
- Meets with current and new customers to gather, update, and review financial and scope of operation information to determine eligibility
- Completes the Farm Credit Services (FCS) application process in order to submit to the credit department
- Services loans, including partial releases, collateral substitutions, changes in payment and maturity dates, extensions and conversions
- Determines location for loan closing and coordinates schedules to ensure loan closing time and location meets customer needs.
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20%
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Marketing and Sales
- Represents and promotes FCS Financial at agricultural organization meetings and events
- Attends auctions and sale barns to promote FCS services and products
- Determines appropriate sales approach for potential or current customers
- Determines potential business opportunities by visiting farms and prospecting
- Contacts internal resources (credit, appraisal, crop insurance, customer service) to coordinate activities ensure customer needs are met
- Contacts external resources (FSA, title companies, surveyors, legal counsel, appraisers, CPA's) to coordinate activities and ensure customer needs are met
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10%
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Chattel and Collateral Valuations - Simply reworded to stay consistent with other job descriptions.
- Performs Chattel (cattle, crops, machinery) and Collateral valuations (real estate)
- Determines value using external resources such as websites, local grain market, livestock facilities, and the internal appraisal manual for real estate
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50%
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Training, Education and Development
- Attends loan officer development training courses as applicable or assigned
- Works directly with FSO/AVP/VP through the entire loan process from beginning to end
- Sits in on customer meetings with the FSO/AVP/VP to observe loan officer-customer interactions
- Takes on new responsibilities as their experience grows, eventually meeting with customers and taking loans from application to closing
- Support team/branches on an as needed basis
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n/a
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Other duties as assigned to meet the needs of the organization.
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* 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. Minimum Qualifications
- Bachelor's degree in agriculture, business or a related field
- Willing to relocate
- Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Required Knowledge and Skills
- General knowledge of the sales process
- General knowledge of negotiating tactics
- General knowledge of marketing strategies
- General knowledge of financial services industry
- General knowledge of the agricultural industry
- General knowledge of basic accounting principles
- Skill in negotiating agreements to achieve the best outcome for the organization
- Skill in using Microsoft technologies including Outlook, Word and Excel
- Skill in listening and conveying awareness of a customer's problem or issue to find resolution
- Oral and written communication skills sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
- Ability to learn and retain Association policies and procedures, and the ability to adapt to new policies and procedures quickly.
- Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data
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Farm Credit Council
$51,000 - $74,500
Mar 13, 2025