Commercial Agriculture Relationship Manager

FCS Financial; O’Fallon (MO); Hybrid; USD 90,000 - 151,000; Full time

Benefits offered by this job

Hybrid work environment

Career growth

Purpose driven work

Competitive total rewards

Job summary

FCS Financial is seeking a Commercial Agriculture Relationship Manager to work with Missouri's largest crop producers as a trusted financial advisor and primary relationship manager.

You will develop deep relationships, create customized financing solutions, and oversee a portfolio of complex commercial agriculture operations while identifying growth opportunities and providing ongoing service to member-owners.

Qualifications

• Bachelor's degree in agriculture, sales, finance or related field.
• 5 years of related lending/financial services experience.
• 3-5 years of portfolio management experience.

Responsibilities

• Develop deep trusted relationships with farmers, agribusinesses, and rural customers.
• Create customized financing solutions.
• Manage portfolio of complex commercial agriculture operations.
• Identify growth opportunities and structure innovative credit packages.
• Provide exceptional service and ongoing support to member-owners.
• Play a key role in helping customers achieve their business goals while supporting Missouri agriculture.

Skills

Relationship management

Sales

Business development

Financial analysis

Credit skills

Communication

Negotiation

Education

Bachelor's degree in Agriculture, Sales, Finance or related field

Job description

Commercial Agriculture Relationship Manager

Partner with the Producers Shaping the Future of Agriculture

FCS Financial is seeking a highly motivated professional to join our team as a Commercial Agriculture Relationship Manager. This is an exciting opportunity to work with some of the region's largest and most innovative crop producers while helping grow Missouri agriculture.

Make a Bigger Impact:

At FCS Financial, we provide specialized financial solutions that help farmers, agribusinesses, and rural communities thrive.

In this role, you'll serve as a trusted advisor to large commercial crop operations, helping customers navigate growth opportunities, financial strategies, and complex credit solutions while building long-term relationships that create value for both the customer and FCS Financial.

The Opportunity

We're looking for a relationship-driven professional to join our team as a Commercial Agriculture Relationship Manager. In this role, you'll partner with some of Missouri's largest and most progressive crop producers, serving as a trusted financial advisor and primary relationship manager.

In this role, you'll:

• Develop deep trusted relationships with farmers, agribusinesses, and rural customers.
• Create customized financing solutions
• Manage portfolio of complex commercial agriculture operations
• Identify growth opportunities and structure innovative credit packages
• Provide exceptional service and ongoing support to member-owners.
• Play a key role in helping customers achieve their business goals while supporting the continued growth of Missouri agriculture.

This is an ideal opportunity for someone who enjoys meeting people, solving problems, and creating long-term relationships while serving the agricultural industry.

Why Join FCS Financial:

• Work With Industry Leaders: Build relationships with some of Missouri’s largest and most progressive agricultural operations.
• Career Growth: Build a rewarding career with an organization that invests in your development and success.
• Purpose Driven Work: Help strengthen agriculture, rural communities, and family businesses across Missouri.
• Competitive Total Rewards: Enjoy a highly competitive salary, incentive opportunities, and comprehensive benefits package. Based on experience with multiple opportunities for personal and professional growth including Assistant Vice President, Commercial Crop Lending (salary range of $71,000 - $120,000) and Vice President, Commercial Crop Lending (salary range of $88,000 - $151,000).

What You Need:

• Bachelor's degree in Agriculture, Business, Finance or a related field.
• Three or more years of relevant lending, financial services, agricultural, or business development experience.
• Strong knowledge of commercial agriculture and crop production.
• Proven success in relationship management, sales, and business development.
• Strong financial analysis and credit skills and desire to solve complex problems.
• Excellent communication and negotiating skills.
• A customer first mindset and passion for helping agricultural businesses succeed.
• Ability to collaborate effectively with customers, teammates, and industry partners.

If you're ready to combine your passion for agriculture, finance, and relationship-building into a rewarding career, we'd love to hear from you.

Location

Preferred office locations include O'Fallon and Mexico, Missouri. Hybrid work environment and Flex work schedule will be considered for the right candidate.

This position is open until filled.

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

Department: Marketplace

Job Functions*

Percentage

Job Functions

25%

• Represents the Associations as the Commercial Lender for select large, industry-specific, and often complex commercial accounts
• Maintains a portfolio of approximately $50-$150 million of commitments
• Designs innovative credit packages in the $3-$20 million range that meet customer needs
• Originates, structures, and makes credit recommendations; and facilitates the closing process
• Coordinates the engagement and interaction of the entire account team to expand relationships and provide timely service
• Coordinates covenant monitoring by collecting required customer reports and information. Identifies and recommends resolutions to non-compliance issues regarding covenants.
• Provides information and recommendations on subsequent loan servicing actions
• Reviews portfolio to determine if it is diversified and accurately classified
• Establishes Loan Service Plans to identify and implement remedies to correct concerns on criticized accounts
• Provides "value add" products and enhancements to Commercial Loan customers (i.e. benchmarking and financial planning tools; improvement of customer financial information, risk assessment, and peer groups)

30%

New Loan Origination

• Identifies customer needs
• Gathers customer information needed for loan approval
• Determines the appropriate loan structure to achieve the customer's goals within the Association's risk tolerance parameters
• Compiles information into comprehensive package for Loan Committee consideration
• Coordinates Account Team efforts and monitors loan progress to achieve targeted service standards
• Advocates for loan packages that are beneficial for customers and the Association
• Presents approved loan package to customer

30%

Customer Relationship Development

• Markets credit and related services directly to large retail commercial accounts.
• Develops and implements business plans that will increase market share in the assigned customer segment(s).
• Conducts targeted sales calls to influencers, prospects, and customers
• Routinely updates and maintains prospect/customer marketing and call planning information on customer contact software.
• Develops prospect and influencer lists and marketing plans
• Maintains expertise in the specific industry segment and the financial services industry, keeping abreast of industry trends, competitive market conditions and lending practices
• Organizes the development of industry specific knowledge sharing materials to further enhance industry segment expertise and knowledge sharing for the benefit of the Associations
• Is visible within the assigned specialized industry segment by sharing industry information and advocating for the Farm Credit System both internally and publicly
• Actively engage in industry events both locally and regionally through public interaction via presentations or information that reflects the Associations’ expertise within the specialized industry segments
• Understands local, regional and national competition in the areas of rate and terms and proactively presents value-added reasons (local on-farm service, patronage, ag expertise, etc.) to showcase FCS strengths as the premier provider of financial services”
• Acts as the Second Relationship Manager on a select portfolio of high-volume Level 1 accounts

10%

Peer Coaching

• Maintains a close working relationship with retail team members specializing in similar industry segments as both new and existing customers are solicited and served
• Provided guidance and suggestions to peers regarding loan structuring, loan decisions, customer relationships, and approval or denial of loans.

5%

• Identifies and attends training sessions and meetings to enhance knowledge of the industry, customers, and financial services

Minimum Qualifications

• Bachelor's degree in agriculture, sales, finance or related field
• 5 years of related experience
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
• 3-5 years of Portfolio Management experience

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 [e-mail] 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.