FCS Financial · 1 week ago
Vice President Team Leader, Credit
Jefferson City, MO
Full-time
Hybrid
Mid, Senior Level
$98K/yr - $140K/yr
5+ years expFCS Financial is a respected agricultural lending institution committed to supporting Missouri communities. They are seeking a Vice President Team Leader to lead their underwriting team, performing comprehensive credit analysis and underwriting while mentoring credit analysts and making sound credit decisions.
BankingCrowdfundingFinancial ServicesInsurance
Responsibilities
Lead, coach, and develop credit analysts while managing workload and training needs
Conduct comprehensive credit evaluations, including analysis of character, capacity, cash flow, capital, collateral, and conditions
Compare borrower performance to industry standards and identify key credit risks
Determine appropriate loan structures, terms, and financing scope
Ensure financial ratios meet lending standards or are supported by compensating strengths
Complete probability‑of‑default and loss‑given‑default assessments to support credit decisions
Approve or recommend credit actions within delegated authority and prepare clear credit narratives
Serve on Credit Loan Committees and present recommendations to senior committees
Review, amend, approve, or deny credit actions beyond other analysts’ authority
Qualification
Required
Bachelor's degree in finance, economics, account, business or related field
5+ years' experience of credit and business analysis experience
Exceptional communication, negotiation, decision-making skills, and motivating direct reports
Expertise in the agriculture industry and the impact of current events on agricultural operations and credit
Expertise in financial ratios, criteria and production performance measures for Ag production
Expertise in Association lending procedures and policies
Expertise in loan covenants
Expertise in loan structuring and negotiating loan terms and conditions
Expertise in analyzing and interpreting tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents
Expertise in understanding relationship between financial statements and operations
Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customers
Skill in applying processes and procedures to factual data to come to a logical decision
Skill in selecting, managing, coaching, motivating and developing direct reports
Skill in gathering, compiling and organizing information
Skill in communicating objectives and delegating responsibility
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
Benefits
Health, dental, vision, and a standout 401(k) plan
Growth Opportunities: We are committed to your personal and professional development.
Flexible Work Environment: Any FCS Financial location will be considered with the opportunity for a Hybrid or Flex Work Schedule after an initial training period.
Company
FCS Financial
FCS Financial is a financial services company offering crop insurance and appraisal services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Rick Krueger
Chief Financial Officer
Chad Roberts
Executive Vice President, Chief Marketplace Officer
Company data provided by crunchbase