Financial Services Specialist, Ag & Rural Lending

FCS Financial; Sedalia (MO); On-site; USD 44,000 - 50,000; Full time

Benefits offered by this job

Comprehensive benefits

Growth opportunities

Job summary

FCS Financial in Sedalia, Missouri is seeking a Financial Services Specialist to support loan origination, processing and servicing, with frontline customer interaction and meticulous data handling.

The role focuses on preparing loan packages, collecting data, and ensuring accuracy across documents, insurance, and compliance, while collaborating with loan officers and the customer services team.

Qualifications

• High school diploma or equivalent required.
• Experience in credit processing or lending workflows is a plus.
• Strong communication and organizational skills required.

Responsibilities

• Assist Loan Officers in preparing loan packages and gathering data.
• Interact with member-owners and support lending operations.
• Maintain accurate loan documents and data entry.

Skills

Multi-line phone system

Credit processing procedures

Accounting practices

Oral and written communication

Attention to detail

Organizational skills

Confidential information handling

MS Office (Word, Excel, Outlook, Teams

Education

High School Diploma

Equivalent professional lending experience

Job description

Financial Services Specialist, Ag & Rural Lending

Are you ready to advance your career with a respected agricultural lending institution and make a positive impact on Missouri communities? If you're proactive, friendly, detail-oriented, and passionate about customer service, this opportunity could be a great fit for you!

About Us

At FCS Financial, part of the nationwide Farm Credit System, we take pride in our commitment to agriculture and our members. We provide a supportive work environment that encourages both personal and professional growth.

The Role

We’re looking for a motivated and meticulous Financial Services Specialist to join our team in Sedalia in Missouri. In this role, you’ll work closely with our Loan Officers, interacting directly with our member-owners, preparing loan packages, gathering personal data, organizing loan documents, and ensuring completeness and accuracy. This position is ideal for someone who values frontline customer interaction and enjoys supporting lending operations.

What We Offer

• Starting Salary: $43,500, with potential for growth based on experience.
• Comprehensive Benefits: Enjoy a competitive compensation and benefits package.
• Growth Opportunities: We are dedicated to your professional development and long-term success.

What You Need

• Education: Minimum of High School Diploma combined with equivalent professional experience
• Experience: Strong attention to detail and the ability to manage complex workflows. Previous experience in a commercial lending or agricultural finance environment is a plus.
• Skills: Excellent communication and organizational skills, with the ability to multitask and work effectively in a team setting.

The position is open until filled.

This position is located in Sedalia, Missouri.

Flexible work hours will be considered after the initial training period is complete and based off of the candidates' qualifications and needs.

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

Department: Marketplace

Reports To: Customer Services Team Leader – Ag & Rural Lending

Supervises: None

Job Functions

• Loan Origination, Processing and Servicing (55%)
  • Assists the Financial Services Officers in preparing loan packages that meet procedural and regulatory requirements by:
  • Assisting in the collection of personal and financial data
  • Completing data entry for loan submission
  • Organizing and reviewing data for completeness and accuracy (underwriting/ loan servicing, etc.)
  • Determining and ensuring completion of compliance requirements
  • Preparing loan closing documentation
  • Verifying adequate insurance coverage and local, state and third party required loan documentation
  • Following up on missing or incomplete documentation (i.e. earnings information / financial information, etc.)
  • Completing lien and related legal entity searches, background and financial searches and flood determinations
  • Maintaining electronic file
  • Interpreting and satisfying loan approval conditions and reconciling verifications
  • Completing and submitting documents for various government sponsored loans per program requirements (MoFirst, FSA, etc.)
  • Processing loan servicing action request
  • Post close data review and maintenance
  • Ordering and reviewing title work and appraisals
• Customer Service (15%)
  • Answers the phones and assists walk in customers by assessing and interpreting customer needs.
  • Responds to customer request and /or identifies staff member who should respond to customer request.
  • Accepts, identifies and processes loan payments and provides receipts to customers
  • Provides various other services which may include loan and funds held advances, payoff documentation, ordering drafts and notary services
  • Provides standard information on rates, products and insurance to customers
• Account Maintenance (15%)
  • Applies standard processes, policies and procedures to determine actions on various account maintenance activities, which may include:
  • Posting receipts and disbursements daily
  • Monitoring daily, monthly and year end reports to identify and resolve discrepancies
  • Processing incoming and outgoing electronic transfers
  • Making initial customer contact on early delinquent payments
  • Correcting customer account payment or disbursement entries
  • Determining need for collateral releases and returning paid notes in compliance with paid in full loan procedures
  • Monitoring insurance documentation to ensure procedural requirements are met
  • Assists in monitoring Loan Covenants and servicing plans
• General Office Duties (15%)
  • Contacts service providers for office equipment and building maintenance and document shredding
  • Orders office supplies
  • Schedules, sets up and coordinates meetings and events for internal and external groups
  • Authorizes invoices for office expenses
  • Handles internal and external mail
• Other duties as assigned to meet the needs of the organization. (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

• High School diploma
• 2 years of related experience
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Required Knowledge and Skills

• Working knowledge of the operation of a multi-line phone system
• General knowledge of credit processing procedures
• General knowledge of accounting practices and procedures
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers
• Skill in listening and conveying awareness of a customer's problem or issue to find resolution
• Skill in performing a variety of duties, often changing from one task to another of a different nature
• Skill in organizing material and information in a systematic way to optimize efficiency
• Skill in recognizing and maintaining confidential information
• Skill in utilizing Word, Excel, Outlook, Teams, Docusign and PDF Exchange 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

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.