Internal Auditor & Credit Reviewer

FCS Financial • Jefferson City, MO

13d • Hybrid

About The Position

As an Internal Auditor & Credit Reviewer, you will play a key role in supporting the Association's risk management, governance, and compliance efforts. You'll conduct independent audits and credit reviews to evaluate internal controls, operational effectiveness, regulatory compliance, and credit quality. Working across departments, you'll provide valuable insights and recommendations that help the Association maintain strong financial performance and operational integrity.

Requirements

• Bachelor's degree in Accounting, Finance, Business Administration, Agricultural Business, or a related field (or equivalent experience).
• Experience in internal auditing, credit review, lending, risk management, accounting, compliance, or a related financial services field.
• Strong understanding of internal controls, auditing methodologies, and risk assessment principles.
• Knowledge of lending operations, credit analysis, loan documentation, and credit risk management.
• Familiarity with financial institution regulations and compliance requirements.
• Excellent analytical and problem-solving abilities.
• Strong written and verbal communication skills with the ability to communicate findings effectively.
• Ability to manage multiple priorities and work independently while collaborating with cross-functional teams.
• Proficiency in reviewing financial statements, credit files, and operational processes.
• Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field.
• 1 year of related experience or an equivalent combination of education and experience sufficient to perform the essential functions of the job.
• General knowledge of internal audit principles and practices.
• General knowledge in credit extension and administration.
• General knowledge of universal credit classification definitions.
• General knowledge of the agriculture industry.
• Skill in using Microsoft Products to increase efficiency and/or effectiveness.
• Skill in collecting and analyzing data.
• Skill in effective communications, both verbal and written.
• Skill in priority setting and organization.
• High degree of accuracy and attention to detail.
• Ability to tactfully deal with others.
• Ability to work proficiently within deadlines.
• Ability to work independently and assume ownership of responsible areas.
• Responsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data.

Nice To Haves

• Candidates must reside in Missouri to be considered for this position.

Responsibilities

• Perform risk-based audits to assess internal controls, operational effectiveness, and compliance with policies and regulations.
• Independently evaluate loan portfolios, underwriting practices, credit administration processes, and risk-rating accuracy.
• Identify potential risks, control weaknesses, and opportunities for process improvement.
• Prepare clear and actionable audit and credit review workpapers that support audit recommendations and final management reports.
• Evaluate adherence to Farm Credit Administration regulations, Association policies/procedures, and industry standards.
• Help track corrective actions and validate the implementation of management responses.
• Promote best practices and support a culture of accountability, transparency, and operational excellence.
• Perform operational audits of areas of the association as defined by the audit plan.
• Audit for compliance with policies, procedures and regulatory requirements.
• Coordinate information for outside audit and examination groups as assigned; provides explanatory information, responds to questions and performs additional follow-up as necessary.
• Draw independent conclusions regarding the effectiveness of organizational controls and documents accordingly within audit work papers.
• Provide input regarding loan review samples.
• Review loans to ensure credit administration practices align with policies, procedures, and regulatory requirements.
• Evaluate credit analyses to ensure proper risk identification of loans.
• Identify and document deficiencies.
• Input data and information to capture results.
• Perform branch visits to build rapport with staff.
• Provide input regarding audit reports and participates in exit discussions.
• Participate in corrective action follow-up and validation.
• Other duties as assigned to meet the needs of the organization.

Benefits

• Competitive Salary: $60,000 – $85,000 - Competitive compensation based on experience and qualifications, with outstanding incentive opportunities linked to Association performance.
• Growth Opportunities: Opportunity to help shape the Association's risk management and internal review processes.
• Comprehensive Benefits: A highly competitive benefits package designed to support your health, financial well-being, and work-life balance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level