Requisition Number: 2018-014
Job Title: Credit Reviewer
City: Jefferson City
State: MO

Posting Start Date: 8/8/2018
Posting End Date: 9/8/2018

FLSA Status: Exempt

Credit Reviewer

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Description/Job Summary

Take the next step in your career and act on this opportunity to join the quality team of a major agricultural lending institution! FCS Financial is seeking a Credit Reviewer to join our Internal Audit team!  The Credit Reviewer will work collaboratively with loan staff to review loan files for adherence to established lending policies and procedures.  It’s essential for this individual to understand credit underwriting fundamentals and it would be beneficial to have an understanding of agricultural operations.  Being able to build relationships and communicate effectively and tactfully are key attributes to being successful in this role.  The successful candidate should also be pro-active, analytical, collaborative, and able to make independent decisions. 

Potential office locations: Central Office-Jefferson City and Columbia, Missouri

This position is open until filled. 

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

Department:  Risk Management              
Reports To:  Vice President, Internal Audit & Review       
Supervises:  None


Job Functions*
Percentage Job Functions  
60% Internal Audit
  • Audits assigned lending, loan review, financial, operational and IT functions in accordance with the audit plan
  • Contributes to the completion of lending and loan review aspects of audit plan, including the review loan of originations for adherence to established lending policies and procedures
  • Reviews and evaluates the Association’s system of internal controls (ICFR testing) and determines compliance with Association policies and procedures
  • Coordinates information for outside audit and examination groups as assigned; provides explanatory information, responds to questions and performs additional follow-up as necessary
  • Draws independent conclusions regarding the effectiveness of organizational controls and documents accordingly within audit work papers
30% Reporting
  • Prepares reports summarizing the results, findings, and recommendations of internal audits
  • Recommends and distributes draft results to management and VP, Internal Audit & Review
  • Meets regularly with VP, Internal Audit & Review to provide detailed information regarding status of completed Association audits including potential risks and recommendations
10% Audit Plan
  • Provides recommendations for a comprehensive, risk-based Internal Audit Plan and Business Risk Assessment document annually
  • Provides recommendations regarding the organizational control systems that have been established
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 Skills

Required Knowledge and Skills
  • General knowledge of internal audit standards and processes and controls
  • General knowledge of Financial reporting, including Generally Accepted Accounting Principles and Generally Accepted Auditing Standards
  • General knowledge of lending and credit management
  • General knowledge of the agriculture industry
  • General knowledge of business risk assessment processes and plans
  • Skill in using Microsoft technologies including  Word/Excel/Power Point/Outlook/Visio to increase efficiency and/or effectiveness
  • Skill and ability to manipulate large amounts of data and  analyzing complex data by using logic and quantitative reasoning to reach objective conclusions
  • Skill in utilizing a systematic approach to problem solving
  • Skill in prioritizing assignments and utilizing time to complete work in an effective and efficient manner
  • Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to provide audit services
  • Oral and written communication skills, sufficient to discuss a variety of job-related topics, and to effectively communicate complex topics to a variety of audiences
  • Ability to travel by auto or commercial transportation to carry out essential responsibilities of the job
Responsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data

Preferred Experience

Minimum Qualifications
  • Bachelor’s degree in business, accounting, agricultural economics, computer science 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
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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.