Financial Service Officer
The Financial Services Officer position is a competitive, goal-oriented sales and
relationship management role that delivers constructive credit and high quality service at
the best possible value to farmers and rural residents.
The Financial Services Officer’s (FSO) primary responsibilities center around building
relationships with business contacts and customers in the consumer and agricultural
markets. The FSO will use his or her knowledge of agriculture and finance to fully
understand the customer’s or prospect’s business and personal plans and then market the
FCS financial services that best meet the needs. After initially screening for soundness,
the FSO submits the information to an analyst, underwriter or scoring system for final
decision. The FSO leads the customer relationship and often coordinates with others to
serve the customer’s loan, lease, crop insurance and servicing needs.
In addition, an FSO must be committed to learning processes and the essential financial
foundation Farm Credit Services provides through our extensive, hands-on training. The
training program is focused on combining these core business skills with our Mission,
Vision, and Values in daily business. Training length will be determined by experience
ranging from 9-18 months.
1. Sales and Relationship Management: The FSO will develop and maintain a significant
professional presence throughout the assigned territory. He or she will spend most of the
time out of the office to build professional relationships with customers, prospective
customers and influencers based on mutual trust and respect. The objective is to
understand customer goals, credit strengths and weaknesses, and deliver “value
added”/constructive agricultural and financial information that will assist them in their
The FSO is accountable to determine and define the appropriate customer interaction and
coordinate the appropriate staff that may directly or indirectly be a part of the relationship
to serve the customer’s loan, lease, crop insurance and servicing needs. The FSO also
ensures appropriate communication to the customer and to internal team members
regarding the customer.
2. Deliver Sound Credit: As part of the ongoing consultative relationship with our
customers, the FSO will interpret and evaluate financial information and risk
management plans, and ask appropriate follow-up and probing questions to determine the
appropriate product or service. The FSO will effectively recommend loan terms,
conditions, and collateral position consistent with the request and associated loan risks,
and then set clear expectations with the customer.
3. Service Portfolio: To minimize association risk and losses, the FSO will monitor the
portfolio to timely identify and service loans that expose the association to risk. Using
his/her knowledge of servicing options, the FSO will effectively negotiate and
communicate these options to the customer.
4. Represent and Communicate the Mission and Values of FCS and abide by its
conduct policy, security policy and confidentiality expectations.
• Base salary is based on professional qualifications, experience, and performance.
• Once FSOs have completed training, FSOs can earn an uncapped incentive. Incentives
are determined by an individual’s achievements above their goals.
• Benefits Package valued at 35% of base salary – Go to:
http://www.farmcreditfoundations.com/Mid-AmericaBenefits/ for details on benefits.
Bachelor’s degree in agriculture, business or related field.
Significant knowledge of agricultural industry (personal, professional or educational) is
How do I apply?
To learn more about Farm Credit Services of Mid-America and to apply for positions,
please visit www.e-farmcredit.com and click on Careers>Career Opportunities>Job
Listings>View all Positions> Financial Service Officer>and select your desired location.
About Farm Credit Services of Mid- America:
Farm Credit Services of Mid-America is a $17 billion Ag lending cooperative serving
over 85,500 customer members throughout Kentucky, Ohio, Indiana and Tennessee.
With more than 850 staff members and 96 offices, we offer solutions for farm real estate
financing, operating loans, equipment loans and leases and rural housing.
Tim Baker, Recruitment Specialist
Farm Credit Services of Mid-America
1601 UPS Drive
Louisville, Kentucky 40223