Chief Credit Officer

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.

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 : Credit

Reports to:

Chief Executive Officer

Supervises : The Credit Team

Responsibilities/DutiesJob Functions*

Percentage

Job Functions

30%

Credit Department Leadership

Leads the Association Credit Function

Develops new or revised credit procedures and underwriting standards to ensure acceptable risk parameters

Approves risk identification and probability of default models

Recommends and approves delegated authority levels

Establishes annual department budget and human resource plan

15%

Association Executive Loan Committee

Chairs the Executive Loan Committee

Approves, counter offers or denies large multi-million dollar loan relationships

Identifies communication needs to support large loan relationships

10%

Capital Markets Development

Leads and manages relationships with collaboration partners

Approves and/or rejects large loan participations within Association risk tolerance and guidelines

Identifies customers and industries to place in the shared portfolio

Identifies and secures shared resources to support achievement of Capital Markets' business goals

20%

Leadership & Training

Primarily through subordinate managers, selects, develops, motivates and evaluates a diverse team of professionals

Assesses talent and determines the division of responsibilities and how the teams should be organized

Establishes performance standards and measures performance against standards

Communicates business expectations and goals to teams and is responsible for teams' results

Identifies departmental training needs and internal and external training resources and develops and leads execution of ongoing development plan.

Reviews and approves training approach and materials

Identifies mentoring opportunities and mentor staff

20%

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 assigned

Quantifying the impact of credit decisions on portfolio risk and risk to capital and earnings

n/a

Other 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 Qualifications

Bachelor's degree in agribusiness management, agricultural economics, finance, or related field

10 years credit analysis experience

7 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

Expert knowledge of the FCB Underwriting Guide and Farm Credit Administration regulations

Working knowledge of applicable state and federal 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

Verbal 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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