Chief Credit Officer

1 month ago


Jefferson City, United States FCS Financial Full time
Have you been preparing for an Executive 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, procedures, and controls, also implements credit strategies, and approves loan terms and conditions.

Ensure you read the information regarding this opportunity thoroughly before making an application.

 The incumbent is part of the Executive Leadership Team and works closely with the COO and other members of the 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 Financial’s 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 hybrid and in office work arrangements will be considered as long as the candidate lives within FCS Financial’s Loan Servicing Area.This position is classified as Exempt under the Fair Labor Standards Act.This position is open until filled.Department: CreditReports to: Chief Executive OfficerSupervises: The Credit Team Responsibilities/DutiesJob Functions
*PercentageJob Functions      30%Credit Department LeadershipLeads the Association Credit FunctionDevelops new or revised credit procedures and underwriting standards to ensure acceptable risk parametersApproves risk identification and probability of default modelsRecommends and approves delegated authority levelsEstablishes annual department budget and human resource plan15%Association Executive Loan CommitteeChairs the Executive Loan CommitteeApproves, counter offers or denies large multi-million dollar loan relationshipsIdentifies communication needs to support large loan relationships10%Capital Markets DevelopmentLeads and manages relationships with collaboration partnersApproves and/or rejects large loan participations within Association risk tolerance and guidelinesIdentifies customers and industries to place in the shared portfolioIdentifies and secures shared resources to support achievement of Capital Markets’ business goals20%Leadership & TrainingPrimarily through subordinate managers, selects, develops, motivates and evaluates a diverse team of professionalsAssesses talent and determines the division of responsibilities and how the teams should be organizedEstablishes performance standards and measures performance against standardsCommunicates business expectations and goals to teams and is responsible for teams’ resultsIdentifies departmental training needs and internal and external training resources and develops and leads execution of ongoing development plan.Reviews and approves training approach and materialsIdentifies mentoring opportunities and mentor staff20%Strategic Leadership Works closely with the CEO, Executive Leadership Team and Board of Directors in developing, executing and communicating strategic plans   Serves as a key contact with the regulator and funding Bank and  coordinates association responses to inquiries and findings  Leads key Association collaborations as assignedQuantifying the impact of credit decisions on portfolio risk and risk to capital and earningsn/aOther 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. Required SkillsMinimum QualificationsBachelor’s degree in agribusiness management, agricultural economics, finance, or related field10 years credit analysis experience7 years supervisory experienceOr an equivalent combination of education and experience sufficient to perform the essential functions of the jobRequired Knowledge and SkillsExpert knowledge of the agriculture industry and the impact of current events on agricultural operations and creditExpert knowledge of financial ratios for agricultureExpert knowledge of Association lending procedures and policiesExpert knowledge of Financial Guidelines for Agriculture and Farm Financial Standards CouncilExpert Knowledge in loan structuring and developing loan terms and conditions and financial covenants for large/complex loansExpert knowledge of scorecard underwriting, portfolio monitoring activity and proactive/leading risk indicatorsExpert knowledge of the FCB Underwriting Guide and Farm Credit Administration regulationsWorking knowledge of applicable state and federal regulationsSkill in reading and interpreting complex income statements, balance sheets, cash flows and similar financial documentsSkill in assessing sufficiency of control structures and implementing effective internal credit controls and risk mitigation activitiesVerbal and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customersSkill in selecting, managing, coaching, motivating, and developing a credit analysis/underwriting teamSkill in allocating resources to meet fluctuation workloads and prioritiesSkill in utilizing Word, Excel, and Outlook to increase efficiency and/or effectivenessResponsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data Apply NowWe are an Equal Employment/Affirmative Action employer.

We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.If you need a reasonable accommodation for any part of the employment process, please contact us by email at Human.Resources@myfcsfinancial.com and let us know the nature of your request and your contact information.

Requests for accommodation will be considered on a case-by-case basis.

Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.For more information about our commitment to equal employment opportunity
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