FCS Financial - Credit Analyst

Credit Analyst

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Description/Job Summary

FCS Financial, part of the nationwide Farm Credit System, is dedicated to supporting agriculture and rural communities! At FCS, we seek individuals who share a passion for agriculture! If you are independent, self-motivated, detailed, and provide excellent customer services, we are looking for you!

This entry level Credit Analyst role starts at $55,000 and comes with the opportunity to grow personally and professionally. In the analyst role, you get to provide recommendations on credit applications, evaluate financial information, develop financial analyses, and interpret and apply credit standards.

If you want to work for a company that offers flexible work options such as flexible hours and hybrid work option now is a great time to join our team!

Potential office locations in Missouri include Jefferson City, Columbia, Springfield, Harrisonville, and O’Fallon. However, we are open to other office location for the right talent.

A Hybrid - Remote Office Work Environment and flexible work schedule will be considered after the initial training period is complete and based off of the candidates’ qualifications and needs.

This position is open until filled.

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

Department: Credit

Reports to: Credit Team Leader

Supervises: None

Responsibilities/Duties

Job Functions*

Percentage	Job Functions
60%	Loan Request Analysis Assesses creditworthiness of borrowers by: Developing long and/or short-term financial projections based on customer financial data Analyzing capital, capacity, collateral, character and conditions of the borrower Comparing the borrower’s overall financial position to industry and core lending standards Identifying potential risks of the proposed loan Reviews financial information provided by borrower, determines adequacy of data and requests additional data as needed Determines best approach to consolidating and utilizing the financial data to make a credit recommendation Writes credit narratives summarizing results of credit assessment Recommends approval or denial of loans and the structure and loan conditions to support the recommendation Communicates with senior credit staff for necessary loan approval
25%	Communication Effectively communicates with market facing staff to: Understand the operation and credit application Request additional information with branch staff understanding why the information is needed Relay loan decision and relationship positioning
15%	Professional Development Identifies and participates in training and development opportunities to increase understanding of: Association policies and procedures Functions of other departments Agricultural production, risk management and marketing
n/a	Other duties as assigned to meet the needs of the organization.

Required Skills

Minimum Qualifications

Bachelor’s degree in business, finance, economics or a related field
2+ years of related experience
Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Required Knowledge and Skills

Working knowledge of the agriculture industry and the impact of current events on agricultural operations and credit
General knowledge of financial ratios
General knowledge of tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents
General knowledge of the relationship between financial statements and operations
Skill in listening and conveying awareness of a customer's problem or issue to find resolution
Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers
Skill in utilizing Word, Excel and Outlook to increase efficiency and/or effectiveness
Responsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ data

Scope of Responsibilities:

Responsibility	Measure
Individual Authority Level	Level 4-5
Credit Loan Committee	Position 3