Financial Officer

Frontier Farm Credit; Manhattan (KS); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

401(k)

Paid time off

Life and disability insurance

Employee Assistance Program (EAP)

Wellness programs

Tuition assistance

Short-term incentive pay

Job summary

Frontier Farm Credit seeks a Financial Officer to lead a sales-focused role, promoting core products and deepening wallet share across mid-to-large customer relationships. You will manage portfolios, provide sound credit reasoning, and negotiate terms while retaining customers and expanding cross-sell opportunities.

This role requires extensive lending experience, strong communication, and the ability to influence outcomes in a collaborative, team-driven environment across multiple offices.

Qualifications

• Minimum of 4 years of lending, credit analysis or sales experience.
• 6+ years in Market/Business Development with lending or credit analysis experience, plus relationship management and/or sales.

Responsibilities

• Design innovative customer loan packages, advising customers on financial information and pricing loans based on risk and profitability.
• Servicing assigned portfolios and developing business plans to increase market share, promoting and selling loan products, cross-selling all products and services.
• Sales focus on marketing core products with existing customers, deepening wallet share and cross-selling opportunities, while retaining clients.
• Discuss credit packages with Analysts and participate in consensus decision making when appropriate.
• Demonstrate holistic selling to deepen customer relationships within the assigned segment.

Skills

Credit analysis

Relationship management

Negotiation skills

Sales experience

Communication skills

Job description

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AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica)and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.
Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

Job Summary

We are seeking a Financial Officer for a sales focused role responsible for marketing and promoting all the organization's core products, focused on deepening wallet share and cross-sell opportunities, and responsible for retention. The assigned portfolio will consist of mid-to-large sized operations that currently have a stable relationship with FCSAmerica. Experienced officers, often with a breadth of first-hand credit experience and an expert in the industry, are skilled at taking care of customer relationships. This role has a deep product & credit depth, indexes high on communication and acts as a trusted advisor as well as building holistic relationships with customers and prospects.

• Design innovative customer packages, advising customers on financial information, and competitively pricing loans based on risk and profitability.
• Servicing assigned portfolios and developing business plans to increase market share, promoting, and selling loan products, cross selling all the organization's products and services, and supporting an unrivaled customer experience based on core principles and teamwork.
• Sales focused on marketing and promoting the Associations' core products with existing customers, focused on deepening the wallet share and cross-sell opportunities and responsible for retention.
• Discuss credit packages with Analysts and participate in consensus decision making process when appropriate.
• Ability to provide sound influence and negotiation skills to clients in responsibilities such as loan pricing, loan terms and conditions. Possesses sound credit analysis skills with the ability to appropriately structure loan packages and proposals.
• You will be asked to consistently use a holistic selling approach to deepen customer relationships within the assigned segment.

Travel Time

• Travel will be 50-70% for this role, primarily during the day meeting with customers outside of the office.

Education Requirements

• Minimum of 4 years of experience in lending, credit analysis and/or sales experience with a related financial services or agricultural credit organization required.

Years of Experience

• 6 plus years of experience in Market/Business Development: Lending or credit analysis experience in a related agricultural credit organization, along with experience in relationship management and/or sales.

Why Us:

• Retirement Plans: 401(k)
• Paid Time Off: Vacation, sick leave, paid holidays, and parental leave
• Additional Benefits: Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and short-term incentive pay

About Us:

AgCountry has 43 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin. FCSAmerica is based in Omaha, NE and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving 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.
AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.