SENIOR VICE PRESIDENT, UNDERWRITING
Join Our Senior Leadership Team as SVP, Underwriting.
Why FCS Financial? Ever dreamed of being part of an organization with deep roots in agriculture and the community? For over 100 years, as part of the Farm Credit System, we’ve been supporting agriculture and rural communities in Missouri. If you are a strategic credit leader with deep expertise in agriculture finance, and you have a passion for developing high-performing teams, act now and apply for this Underwriting Leadership opportunity!
About the Role: As SVP, Underwriting, you will lead a team of seasoned credit professionals, ensuring adherence to credit administration and classification standards. You’ll play a pivotal role in credit approvals, loan structuring, and risk management, while driving process improvements and mentoring future leaders and analysts.
Key Responsibilities:
- Credit Analysis & Risk Assessment: Evaluate borrower creditworthiness using the 5 Cs of credit, financial ratios, and industry benchmarks.
- Credit Approval & Committee Leadership: Serve as Position 1 on both the Credit and Executive Loan Committees, approving complex credit actions and guiding loan structure decisions.
- Team Leadership: Recruit, develop, and inspire a team of credit analysts and team leaders, fostering a culture of excellence and accountability.
- Strategic Oversight: Lead initiatives to enhance risk identification, loan administration, and portfolio management, while collaborating with lending teams on large or complex credit facilities.
What We Offer:
- Competitive Salary: $153,000 – $220,000
- Top-Notch Benefits: Health, dental, and vision, plus a standout 401(k) plan
- Flexible Work Environment: A hybrid (combination of remote and in-office) work arrangements will be considered for candidates within FCS Financial’s Loan Servicing Area.
- Location Flexibility: Preferred locations would be Jefferson City, O’Fallon, Harrisonville, St. Joseph, or Springfield, but other FCS Financial locations will be considered for the right candidate.
What You Need
- Education: Bachelor’s degree in Economics, Accounting, Agriculture Economics, Finance, Business, or related field
- Experience: 15+ years of credit and business analysis experience, loan structuring, and portfolio management
- Skills: Strong leadership, communication, and strong decision making skills negotiation, and relationship-building skills.
This position is open until filled.
This position preferred locations would be Jefferson City, O’Fallon, Harrisonville, St. Joseph, or Springfield, but other FCS Financial locations will be considered for the right candidate.
This position is classified as Exempt under the Fair Labor Standards Act.
Department: Credit
Reports To: Chief Credit Officer
Supervises: Team Leaders and Credit Analysts
Job Functions*
|
Percentage |
Job Functions |
|
45% |
Credit Approval and Loan Committee Participation
|
|
35 |
Leadership and Management
|
|
15% |
Lending Oversight and Process Improvement
|
|
5% |
Credit Analysis
|
|
n/a |
|
* 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.
Minimum Qualifications
- Bachelor’s degree in economics, accounting, agricultural economics, finance, or related field
- 15 years of credit and business analysis experience
- 2 years of supervisory experience
- Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Required Knowledge and Skills
- Expert knowledge of the agriculture industry and the impact of current events on agricultural operations and credit
- Expert knowledge of financial ratios, criteria, and production performance measures for Ag production
- Expert knowledge of Association lending procedures and policies
- Expert knowledge of scorecard underwriting and portfolio management
- Expert knowledge of loan covenants
- Expertise in loan structuring and negotiating loan terms and conditions
- Expertise in analyzing and interpreting tax returns, profit and loss statements, balance sheets, cash flows and similar financial documents
- Expertise in understanding relationship between financial statements and operations
- Oral and written communication skills, sufficient to exchange information effectively with peers, supervisors, senior management, industry leaders and customers
- Skill in applying processes and procedures to factual data to come to a logical decision
- Skill in gathering, compiling, and organizing information
- Skill in communicating objectives and delegating responsibility
- Skill in developing and presenting credit analysis and risk management training materials
- 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 |
Metric |
|
Supervision |
3-4 direct reports |
|
Individual Authority Level |
Level 7 |
|
Credit Loan Committee |
Position 1 |
|
Executive Loan Committee |
Position1 – Voting Member |
|
Aggregate Portfolio |
$3-4 billion |
