Relationship Officer

Farm Credit Services of America•Hiawatha, KS

1d•Hybrid

About The Position

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services. Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers. We are seeking a Relationship Officer who will be tasked with focusing on accounts in high risk/classified volume capacity viewed to be viable and able to return to successful status within a designated portfolio across multiple offices. You will serve as a key influencer in helping customers return to a viable financial position working directly and indirectly with local teams through restructuring, borrower counseling, creative credit packages and resolution of distressed accounts if needed. Minimize reputation risk by providing positive exit solutions for customers who are not willing and/or able to make adjustments. Provide counseling to Credit Analysts and retail Financial Officers on loan structure, terms and conditions, pricing, and documentation for loans with significant credit weakness. It is important to work in a team to accomplish goals.

Requirements

6+ years of experience, Lending/credit analysis experience, to include experience in the full economic cycle of agriculture, with the Farm Credit System or a related agricultural credit organization

Nice To Haves

4 Year / Bachelors Degree Preferred in Business, Finance and/or Economics

Responsibilities

Serve as a primary contact and specialized resource focused on high risk/classified volume not assigned to the Credit and Resolutions Team (CART) exhibiting a strong level of patience and creativity to arrive at viable solutions. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks for a variety of loans to include large and complex accounts.
Manage assigned portfolio across multiple offices in accordance with companies and funding banks’ policies and procedures resulting in the greatest net return/best business decision. Work towards designated account retention and returning accounts to viable account status levels.
Primary responsibility is prevention of loans entering special classification and reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed.
Monitor compliance with lending standards and settlement procedures on assigned loans, ensuring alignment with company policies and regulatory expectations. Collaborate with internal teams to support satisfactory credit administration and credit quality goals.