Credit Analyst

Credit Analyst

Are you passionate about helping people and making a difference in communities across Missouri? Do you dream of working for a company with a welcoming culture that encourages personal and professional growth? If so, we have the perfect opportunity for you!

About Us: At FCS Financial, we are dedicated to positively impacting our customers and communities. As a member of the Farm Credit System, we offer a supportive work environment where your contributions truly matter.

The Role: We are searching for an independent, self-motivated and detail-oriented Credit Analyst that is looking for an opportunity for growth. In this role, you will provide recommendations on credit applications, evaluate financial information, develop financial analyses, and interpret and apply credit standards.

What We Offer:

Competitive Salary: Based on experience with multiple opportunities for personal and professional growth including Credit Analyst (salary range of $56,000 - $83,000) Assistant Vice President, Credit (salary range of $62,000 – $104,000) and Vice President, Credit (salary range of $77,000 - $147,000).

Comprehensive Benefits: Enjoy a highly competitive compensation and benefits package.

Growth Opportunities: We are committed to your personal and professional development.

Flexible Work Environment: Hybrid work environment and Flex work schedule will be considered for any of our FCS Financial Branches! Preferred locations would be Columbia, Jefferson City, Hannibal, Harrisonville, Macon or Springfield but other FCS Financial locations will be considered for the right candidate.

What You Need:

Education: Bachelor’s degree in finance, economics or related field

Experience: 2+ years in of related experience

Skills: Ability to communicate complicated information to our internal customers and exceed customer expectations.

This position is open until filled.

This position preferred locations would be Columbia, Jefferson City, Hannibal, Harrisonville, Macon or Springfield but other FCS Financial locations will be considered for the right candidate.

This position is classified as Non-Exempt under the Fair Labor Standards Act.

Department: Credit

Reports To: Vice President, Team Leader Credit

Supervises: None

Job Functions*

Percentage

Job Functions

60%

Loan Request Analysis

Assesses creditworthiness of borrowers by:

Developing long and/or short-term financial projections based on customer financial data

Analyzing capital, capacity, collateral, character and conditions of the borrower

Comparing the borrower’s overall financial position to industry and core lending standards

Identifying potential risks of the proposed loan

Reviews financial information provided by borrower, determines adequacy of data and requests additional data as needed

Determines best approach to consolidating and utilizing the financial data to make a credit recommendation

Writes credit narratives summarizing results of credit assessment

Recommends approval or denial of loans and the structure and loan conditions to support the recommendation

Communicates with senior credit staff for necessary loan approval

25%

Communication

Effectively communicates with market facing staff to:

Understand the operation and credit application

Request additional information with branch staff understanding why the information is needed

Relay loan decision and relationship positioning

15%

Professional Development

Identifies and participates in training and development opportunities to increase understanding of:

Association policies and procedures

Functions of other departments

Agricultural production, risk management and marketing

n/a

Other duties as assigned to meet the needs of the organization.

Minimum Qualifications

Bachelor’s degree in business, finance, economics or a related field

2+ years of related experience

Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Required Knowledge and Skills

Working knowledge of the agriculture industry and the impact of current events on agricultural operations and credit

General knowledge of financial ratios

General knowledge of tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents

General knowledge of the relationship between financial statements and operations

Skill in listening and conveying awareness of a customer's problem or issue to find resolution

Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers

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

We 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 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, please click here.