Relationship Officer

Job description:

Farm Credit Services of America (FCSAmerica) is seeking a Relationship Officer. In this role, you will be tasked with focusing on accounts in high risk/classified volume capacity viewed to be viable and able to return to successful status within a designated portfolio across multiple offices. You will serve as a key influencer in helping customers return to a viable financial position working directly and indirectly with local teams through restructuring, borrower counseling, creative credit packages and resolution of distressed accounts if needed. Minimize reputation risk by providing positive exit solutions for customers who are not willing and/or able to make adjustments. Provide counseling to Credit Analysts and retail Financial Officers on loan structure, terms and conditions, pricing, and documentation for loans with significant credit weakness. It is important to work in a team to accomplish goals.

FCSAmerica is a great place to work. You see it in our people and the relationships they have with each other and our customers. Our passion and commitment to serving both rural America and each other is key to our success in the marketplace.

Essential Duties & Responsibilities

• Serve as a primary contact and specialized resource focused on high risk/classified volume not assigned to the Credit and Resolutions Team (CART) exhibiting a strong level of patience and creativity to arrive at viable solutions. This includes establishing and maintaining sound credit and loan administration, loan pricing, and establishing appropriate loan terms and conditions for the purpose of managing the loan risks for a variety of loans to include large and complex accounts.
• Manage assigned portfolio across multiple offices in accordance with companies and funding banks’ policies and procedures resulting in the greatest net return/best business decision. Work towards designated account retention and returning accounts to viable account status levels.
• Primary responsibility is prevention of loans entering special classification and reduction of non-earning assets through restructuring, borrower counseling and/or collection and resolution of distressed.
• Serve as primary compliance officer on assigned loans and ensure the company is within compliance of settlement laws and procedures. Contribute to the achievement of satisfactory Association credit administration and credit quality goals in assigned portfolio through building consensus of involved parties.

Travel Time

• Percentage of time required to travel is 40- 60%

Education Requirements

• Bachelors Degree Preferred in Business, Finance and/or Economics

Years of Experience

• 8 + years of experience in lending/credit analysis to include experience in the full economic cycle of agriculture, with the Farm Credit System or a related agricultural credit organization

About Us

Farm Credit Services of America (FCSAmerica), AgCountry Farm Credit Services (AgCountry), and Frontier Farm Credit are financial cooperatives operating under joint management. While each Association is owned by its local farmers and ranchers, the cooperatives pool their resources, experience, and talent to deliver affordable credit, crop insurance services, and financial services.

FCSAmerica serves rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. AgCountry serves portions of North Dakota, Minnesota, and Wisconsin, and Frontier Farm Credit serves eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of today’s agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education.We have employment opportunities across our combined eight states. FCSAmerica is headquartered in Omaha, Nebraska, and has 48 local offices; AgCountry is headquartered in Fargo, ND and has 45 local offices; and Frontier Farm Credit is headquartered in Manhattan, KS and has six local offices.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, age, marital status, national origin, disability status, protected veteran status, sexual orientation, gender identity or any other characteristic protected by law.