Financial Services Specialist,
Description/Job SummaryTake the next step in your career and act on this opportunity to join the quality team of a major agricultural lending institution! FCS Financial, part of the Farm Credit Network, is seeking a conscientious, friendly, dedicated, and detailed-oriented individual. This Financial Services Specialist, Agribusiness position collaborates with relationship managers to provide loans and financial services to customers. Serves as a liaison/facilitator in the workflow between the market facing staff, the internal staff and external resources. Market Territory is statewide with preferred office location in Higginsville, Missouri. Other locations will be considered.Department: Marketplace Services Reports To: Customer Service Team Leader – CommercialSupervises: None Responsibilities/DutiesJob Functions*PercentageJob Functions40%Post-ClosingMonitors all pending and active loan accounts for assigned relationship manager by monitoring reports, covenants, transaction activity and loan servicing actions.Reviews loans documents for signaturesTransmits loan and disburses loan fundsDetermines which covenants need to be entered into covenant monitoring systemFiles security documentsScans and shreds loan documents per procedures35%Loan ProcessingInteracts with and responds to applicants in person, by phone, or by written or electronic correspondenceProcesses a loan determination by documenting the decision madeOrders appraisals and title workSchedules loan closingsPrepares, prints, reviews and delivers loan documents for closing20%Loan ApplicationsSubmits large, complex loan applications for credit analysisDetermines level of documentation and verification neededGathers and documents financial and demographic informationPerforms background checks on applicants and verifies information providedEnters loan request information into customer relationship management loan origination systemDetermines which loan program to use and which underwriting authority is needed (scored vs. traditional)Submits loan request for credit decisionDetermines how to resolve inquiries and questions5%InsuranceInvestigates what insurance coverage is needed on collateral improvementsInvestigates what life and/or crop insurance products to recommend to customerPresents customer with quotes or referralsn/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 SkillsMinimum QualificationsBachelor’s degree in Business, Agriculture, Finance or a related fieldAn understanding of loan processing or loan closing functionsOr an equivalent combination of education and experience sufficient to perform the essential functions of the jobRequired Knowledge and SkillsGeneral knowledge of credit processing proceduresGeneral knowledge of accounting practices and proceduresGeneral knowledge of the agricultural industryOral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customersSkill in listening and conveying awareness of a customer's problem or issue to find resolutionSkill in performing a variety of duties, often changing from one task to another of a different natureSkill in organizing material and information in a systematic way to optimize efficiencySkill in recognizing and maintaining confidential informationSkill in utilizing Word, Excel and Outlook to increase efficiency and/or effectivenessExpert customer service skills, including the ability to communicate complicated information and exceed customer expectations.Responsible to appropriately protect the confidentiality, security, and integrity of the Association’s systems and data and clients’ dataApply for this job.