Chief Credit Officer

Company: FCS Financial
Location: Jefferson City
Posted on: March 17, 2023

Job Description:

Chief Credit Officer - Jefferson City, MO
Have you been preparing for a Senior Leadership level role with a growing financial institution? If so, don't miss the opportunity to join our high-quality team and major agricultural lending cooperative! FCS Financial is looking for a credit focused individual that has the ability and desire to lead our credit team. The Chief Credit Officer leads the Association's credit department, develops and implements credit processes and procedures, implements credit strategies, and serves as Chairperson of the Loan Committee. The incumbent is part of the Senior Leadership Team and works closely with the COO and leadership team to help execute the Association mission and business plan objectives. Expert knowledge in agricultural lending practices, financial ratios for agriculture, loan structuring, large multi-lender credits, and proven leadership ability is required.
FCS Financials' Central Office located in Jefferson City is the preferred location however, all other FCS Branch locations will be considered based on the candidates' qualifications and needs.
A combination of a remote and in office work arrangements will be considered as long as the candidate lives within FCS Financials' Loan Servicing Area.
This position is open until filled.
This position is classified as Exempt under the Fair Labor Standard Act.
Department: CreditReports to:Executive Vice President of OperationsSupervises:Credit department team members
Minimum Qualifications

Bachelor's degree in agribusiness management, agricultural economics, finance, or related field
10 years credit analysis experience
5 years supervisory experience
Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Required Knowledge and Skills

Expert knowledge of the agriculture industry and the impact of current events on agricultural operations and credit
Expert knowledge of financial ratios for agriculture
Expert knowledge of Association lending procedures and policies
Expert knowledge of Financial Guidelines for Agriculture and Farm Financial Standards Council
Expert Knowledge in loan structuring and developing loan terms and conditions and financial covenants for large/complex loans
Expert knowledge of scorecard underwriting, portfolio monitoring activity and proactive/leading risk indicators
Working knowledge of the FCB Underwriting Guide and Farm Credit Administration regulations
Skill in reading and interpreting complex income statements, balance sheets, cash flows and similar financial documents
Skill in assessing sufficiency of control structures and implementing effective internal credit controls and risk mitigation activities
Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customers
Skill in selecting, managing, coaching, motivating, and developing a credit analysis/underwriting team
Skill in allocating resources to meet fluctuation workloads and priorities
Skill in utilizing Word, Excel, and Outlook to increase efficiency and/or effectiveness
Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data
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Keywords: FCS Financial, Jefferson City , Chief Credit Officer, Executive , Jefferson City, Missouri