Requisition Number: 2021-013
Job Title: Collateral Evaluator - Southern Missouri
City: Springfield
State: MO

Posting Start Date: 4/29/2021
Posting End Date: N/A

FLSA Status: Non-Exempt

Collateral Evaluator - Southern Missouri

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Description/Job Summary

At FCS Financial, part of the nationwide Farm Credit System, we are looking for an Collateral Evaluator to join our Team!  FCS Financial is a member of the largest agriculture lending cooperative in the United States today. At FCS, we seek individuals who share passion for agriculture, rural living and helping people achieve their goals and dreams! The Collateral Evaluator will perform chattel and real estate valuations and also assist in sales research by collecting, analyzing, and writing sales.  The person selected for this position must be friendly, detail-oriented, pro-active, outgoing, and confident! 

This Market Territory for this position is in the southern half of Missouri.  Potential Office locations in Missouri include Jefferson City, Lebanon, Sedalia, and Springfield.

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

This position is open until filled.

Department:   Risk Management - Appraisal     

Reports To:  Vice President, Team Leader, Appraisal and Collateral Risk Management

Supervises:   None


*Job Functions
PercentageJob Functions
50 %Chattel Valuations
  • Tracks commodity, livestock and equipment prices
  • Performs proper scope of inspection consistent with association procedures and commodity risk guidelines
  • Inspects livestock, crops, equipment, feed inventories and other commodities and gathers account receivables and payables
  • Determines type, age, quality, quantity, condition and utility of chattels
  • Performs necessary auditing techniques if applicable
  • Provides a summary of the valuation process and conclusions in a written valuation report according to association guidelines
  • Attends livestock and equipment auctions to stay informed and aware of the market conditions, as applicable
  • Attends meetings to stay informed of trends influencing various commodities, farming practices, and other pertinent topics
  • Communicates findings to internal appraisal and credit staff as well as other stakeholders
30%Real Estate Valuations
  • Completes valuations independently and without bias while avoiding “conflicts of interest”
  • Ensures transactions meet qualifying criteria, requirements and guidelines of the association and FCA
  • Identifies real estate location, type and inclusion or exclusion of improvements
  • Reads and understands legal descriptions and units of land measurement to accurately identify the sale or subject property under consideration
  • Plats legal descriptions
  • Reads plat books, uses aerial photographs to locate each sale or subject in the correct township, section and location within the section 
  • Identifies and classifies land area by soil type and land class for sales and subject property; consistent with sales manual guidance
  • Analyzes subject property, market area and factors affecting market value
  • Determines if assignment requires an appraiser to produce credible results
  • Completes real estate valuations through the use of “range of value” or association “automated system”
  • Carefully completes valuations in compliance with association policy and procedures
  • Using acceptable methods concludes an opinion of value
  • Reports assignment results via a written valuation report
20%Sales Research
  • Assists in the collection, analysis and writing of sales by:
  • Searching courthouse records, MLS or other sources for farm and rural improved sales
  • Compiling sales data into the appraisal Enterprise sales database
  • Under guidance from appraisers, determining adequacy of existing information and the additional data sources needed by referencing sales manual
  • Researching market and neighborhood data, cost information and specialized information for sales
  • Compiling sales data from defined zones and presents data to appraisers for Range of Value for Collateral Evaluations
  • Completing physical inspection of sales, if applicable
  • Interviewing property owner and/or tenants and determining what to photograph and what content should be included in sales write up 
n/aOther 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 Experience

Minimum Qualifications
  • Bachelor’s degree in Agriculture Management, Agriculture Business, Business Administration, Real Estate, 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
Required Knowledge and Skills
  • Skill in using Microsoft technologies including e-mail, word and spreadsheet processing
  • Oral and written communication skills, sufficient to exchange information effectively with customers, peers and supervisor
  • Knowledge of customer service principles and practices
  • Skill in establishing and maintaining cooperative working relationships with co-workers
  • Skill in understanding and applying evaluation concepts and standards
  • Skill in reading and plotting property boundaries based on legal descriptions
  • General knowledge of building and construction techniques and materials
  • Skill in maintaining confidential information
  • Skill in prioritizing assignments to complete work in a timely manner
  • Responsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data
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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.