Financial Officer

Farm Credit Services of America•Manhattan, KS

About The Position

AgCountry Farm Credit Services, Farm Credit Services of America, and Frontier Farm Credit are financial cooperatives operating under shared management across eight states. The Financial Officer is a sales-focused role responsible for marketing and promoting the organizations’ core products, deepening wallet share and cross-sell opportunities, and retaining customers. The assigned portfolio consists of mid-to-large-sized operations with stable existing relationships. The officer provides knowledgeable customer relationship management, product and credit expertise, and trusted-advisor service while building holistic relationships with customers and prospects. The role includes creating customer packages, advising customers on financial information, pricing loans competitively based on risk and profitability, servicing an assigned portfolio, and developing business plans to increase market share. The Financial Officer promotes and sells loan products, cross-sells organizational products and services, and supports a strong customer experience through teamwork and core principles. The officer collaborates with Analysts on credit packages and may participate in consensus decision-making. The position requires sound negotiation, influence, credit analysis, and loan-structuring skills, along with a holistic selling approach to strengthen customer relationships. Travel is 50–70%, primarily during the day to meet customers outside the office.

Requirements

At least 4 years of experience in lending, credit analysis, and/or sales with a related financial services or agricultural credit organization.
The posting also specifies 6+ years of experience in market/business development, including lending or credit analysis in a related agricultural credit organization, as well as relationship management and/or sales experience.
Sound credit analysis skills and ability to structure loan packages and proposals.
Influence and negotiation skills for discussing loan pricing, terms, and conditions.

Responsibilities

Design innovative customer packages, advise customers on financial information, and competitively price loans based on risk and profitability.
Service an assigned portfolio and develop business plans to increase market share.
Promote and sell loan products, cross-sell organizational products and services, and support a strong customer experience.
Market and promote core products to existing customers, deepen wallet share, identify cross-sell opportunities, and retain customers.
Discuss credit packages with Analysts and participate in consensus decision-making when appropriate.
Influence and negotiate with clients on loan pricing, terms, and conditions.
Analyze credit and appropriately structure loan packages and proposals.
Use a holistic selling approach to deepen customer relationships within the assigned segment.
Travel primarily during the day to meet customers outside the office.