Head of Rural 1st Credit

E Farmcredit; Louisville (KY); On-site; USD 128,000 - 256,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) matching

Paid vacation

Parental leave

Disability coverage

Tuition reimbursement

Job summary

Farm Credit Mid-America is seeking a Head of Rural 1st Credit to provide strategic leadership for consumer credit operations across Rural 1st portfolio. You will shape credit strategy, drive disciplined risk management, and align outcomes with customer experience and loan quality.

You will lead senior-level teams, develop talent, and ensure organizational effectiveness while sustaining financial performance and regulatory compliance.

Qualifications

• Bachelor's Degree required with at least 12 years of relevant experience.
• Experience leading leaders and developing high-performing teams preferred.
• Knowledge of consumer lending, credit risk management, and regulatory compliance.
• Strong analytical, communication, and stakeholder management skills.
• Experience collaborating across operations, technology, sales, and risk functions.

Responsibilities

• Holds accountability for consumer credit underwriting and related performance, SLAs, turn-time expectations, and reporting; identifies inefficiencies and implements timely course corrections.
• Establishes and reviews key metrics for credit quality, administration, accuracy, and compliance.
• Monitors the quality of the consumer credit loan portfolio and reports adverse trends to executive leadership.
• Exercises delegated lending authorities and reviews complex or high-risk credit decisions as required.
• Applies advanced credit expertise to resolve complex issues and guide decisions in evolving situations.
• Develops and manages the Consumer Credit departmental budget and efficiency metrics.
• Provides leadership through other leaders to advance shared organizational priorities.
• Coaches and develops leaders to build capability, accountability, and engagement.

Skills

Leadership

Change management

Analytical skills

Stakeholder management

Communication

Regulatory compliance

Consumer lending knowledge

Cross-functional collaboration

Education

Bachelor's Degree

Job description

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Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 14 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

SCHEDULE: Full Time, Onsite
TRAVEL REQUIRED: 0% - 25%

Compensation: The salary range for this position is estimated to be $127,878.00 – $255,945.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget. The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

• Medical, dental, and vision insurance
  
• Well-being and fitness reimbursement programs
  
• Paid vacation, sick leave, and holidays
  
• 401(k) plan with company contributions and matching opportunities
  
• Paid parental leave
  
• Short-term and long-term disability coverage
  
• Tuition reimbursement and professional development programs
  
• Community involvement and volunteer opportunities
  
• Variable compensation opportunities for eligible positions

About Our Opportunity

The Head of Rural 1st Credit provides strategic leadership for consumer credit operations, guiding underwriting, servicing, and resolution activities across the Rural 1st portfolio. This role shapes credit strategy, drives disciplined risk management, and aligns credit outcomes with customer experience, loan quality, legal compliance, and process/technology efficiency while delivering continuously improved financial performance objectives.

The Head of Rural 1st Credit provides senior-level leadership through other leaders, aligning strategy, developing talent, and strengthening organizational effectiveness. They shape leadership capability, enhance collaboration across teams, and cultivate a consistent culture grounded in shared expectations, performance, and values.

How You Will Spend Your Time

• Holds accountability for consumer credit underwriting and related credit performance, including meeting Service Level Agreements (SLAs), turn time expectations, and accurate reporting; proactively identifies inefficiencies, removes process constraints, and implements timely course corrections.
• Establishes and reviews key metrics for credit quality, administration, accuracy, and compliance.
• Monitors the quality of the consumer credit loan portfolio by reporting specific adverse credit trends, opportunities, risks, or problems to executive leadership.
• Exercises delegated lending authorities and reviews complex or high-risk credit decisions as required.
• Applies advanced credit expertise and judgment to resolve complex issues and guide decisions in ambiguous or evolving situations.
• Develops and manages the Consumer Credit departmental budget, identifies and monitors department efficiency metrics, aligns fiscal decisions with Association values, strategic priorities, and stewardship expectations.
• Provides leadership through other leaders to advance shared organizational priorities.
• Coaches and develops leaders to build capability, accountability, and engagement.
• Aligns direction, priorities, and resources across multiple teams or functions.
• Strengthens decision‑making and problem‑solving through clarity and consistent leadership practices.
• Sponsors initiatives that elevate performance, culture, and long‑term readiness.
• Builds strong relationships across the Association to foster alignment and collaboration.

Education & Experience

Required Qualifications

• Bachelor's Degree with at least 12 years of relevant experience required.

Preferred Qualifications

• Experience leading leaders and developing high-performing teams.
• Experience driving organizational change and continuous improvement initiatives.
• Knowledge of consumer lending, credit risk management, and regulatory compliance.
• Strong analytical, communication, and stakeholder management skills.
• Experience collaborating across operations, technology, sales, and risk functions.

Mental & Physical Requirements

While performing the responsibilities of this role, team members typically sit for extended periods, use hands for computer and office tasks, and communicate verbally. Standing or walking may be required on a frequent basis, with occasional reaching, lifting, or moving items weighing up to ten pounds. Vision requirements include close and distance vision. The work environment generally involves a moderate noise level.

This role requires sustained mental focus, problem-solving, and the ability to manage multiple tasks, with extended computer use common. Some positions may include additional physical or mental requirements related to driving, such as holding a valid driver’s license and the ability to travel long distances.
Reasonable accommodations will be considered to enable individuals to perform the essential functions of the role.

Reasonable accommodations will be considered to enable individuals to perform the essential functions of the role.

Farm Credit Mid-America provides a competitive total rewardspackage to our team members. This includes an award winning 401(k) Plan.Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits .

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.