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These are our open career positions. Don’t see one that fits what you’re looking for?
Send us a message and tell us why you’d be a good fit on our team.
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Credit Support Specialist I
DATE POSTED: December 19th, 2024
POSITION: Credit Support Specialist I
LOCATION: Lamar, CO
Farm Credit of Southern Colorado (FCSC) is seeking a Credit Support Specialist I to join our team. The chosen candidate will be responsible for independently staging loan packages and providing daily Credit and Loan Officer support.
This position is full time, working approximately 40 hours a week, and is benefits eligible. Occasional travel may be required to sufficiently support other locations within territory.
Organizational Information
At Farm Credit of Southern Colorado, we believe in creating a culture where teammates enjoy coming to work and feel included. We live this every day by enacting our FIRST principles, Fun, Integrity, Respect, Service, and Trust. Our commitment to our employees has earned Farm Credit of Southern Colorado recognition by the Colorado Springs Gazette a Best Place to Work for the past 4 years.
As one of the Farm Credit System’s associations, Farm Credit of Southern Colorado is a robust organization serving its member/owners in 31 counties throughout Southern Colorado. With over $1.6 billion in assets, Farm Credit of Southern Colorado’s approximately 100 staff members bring strength to its shareholders and communities. Farm Credit of Southern Colorado is a member-owned cooperative that provides a wide range of financial products and risk management services for agricultural producers, agribusinesses, land owners and rural homeowners.
Today, the Farm Credit System is one of the strongest, most financially sound lending institutions in the U.S. Its 59 institutions serve our country’s farmers and ranchers, rural America, and agribusiness.
Responsibilities:
Loan Staging and Processing
- Prepares standard loan packages for credit analyst by:
- Ensuring complete package is prepared with all required documentation
- Compiling application data and saving to the appropriate loan file
- Staging new loans and all servicing processes in the software program
- Submitting loan to the Credit Department for analysis
Credit Analyst Assistance
- Files supporting documents to the appropriate loan file
- Completes data entry to enter financials into software program
- Compiles and maintains actual cash flows for required credits
- Verifies monthly borrowing base reports and monitors the borrowing base trend
Loan Officer Assistance
- Contacts borrowers to obtain routine or basic financial information
- Orders appraisals
- Notifies LPD to order title commitments
- Assists loan officer with miscellaneous requests while they are out of the office
- Assist gathering of annual loan information
- Assist with tracking annual financial information
- Stages loan reviews and collateral updates as needed
- Attends loan application meetings and loan closing meetings as needed to build borrower relationships.
Keying Financials
- Enters information from borrower tax returns, balance sheets, and projections into software
Minimum Qualifying Characteristics:
- High school diploma, with at least one accounting course
- 0-2 years of related experience
- General knowledge of financial statements
- General knowledge of credit package documentation
- Expert knowledge of customer service principles and practices
- Skill in learning and applying standard processes and procedures
- Working Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save basic documents
- Skill in oral and written communication, sufficient to exchange information effectively with peers, supervisor, and borrowers
- Skill in accurately copying, posting, or transcribing data
- Skill in interacting and working effectively with others
- Skill in maintaining an organized workspace
- Skill in prioritizing assignments to complete work in a timely manner
- Skill in analyzing information to define a problem or objective
- Skill in listening and conveying awareness of a customer’s problem or issue to find resolution
Farm Credit of Southern Colorado is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, sex, national origin, disability, or protected veteran status.
The following information is disclosed in compliance with the Colorado Equal Pay for Equal Work Act. Similar positions applied for outside of Colorado will not necessarily receive the same compensation.
Salary Range: $42,000-$50,000
This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting. Actual salaries could vary and may be above or below the range as permitted by Colorado Equal Pay Transparency Rule 4.1.2. Variation is based on various factors including but not limited to location, qualifications, experience, operational needs and other considerations permitted by law. In compliance with the Colorado Equal Pay for Equal Work Act, a potential new employee’s salary history will not be used in compensation decisions. In addition, benefits for this position include medical, dental, vision and life insurance, 401k, tax advantage accounts, paid vacation, sick leave and parental leave.
FINAL DATE FOR APPLICATION: Until the position is filled.
APPLY NOW
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Lamar Loan Officer
Southern CO Territory – Loan Officer Position
DATE POSTED: 11/26/2024
POSITION: Loan Officer
LOCATION: Lamar, CO
Farm Credit of Southern Colorado (FCSC) is seeking a Loan Officer to join our team. The chosen candidate will be an exempt employee who develops and maintains relationships with borrowers, identifies financial tools which provide value to borrower’s business, gathers complete loan applications, initiates loan origination and servicing processes, reviews credit write-ups, decisions loan actions within individual and team authority levels, and services financial loans. The chosen candidate will service one of our branches in the eastern Southern Colorado Territory.
Today, the Farm Credit System is one of the strongest, most financially sound lending institutions in the U.S. Its 67 institutions serve our country’s farmers and ranchers, rural America and agribusiness.
Organizational Information
As one of the Farm Credit System’s associations, Farm Credit of Southern Colorado is a robust organization serving 1,300 member / owners in 31 counties throughout Southern Colorado. Over $1 billion in assets, Farm Credit of Southern Colorado’s approximately 80 staff members bring strength to its shareholders and communities.
Farm Credit of Southern Colorado is a member-owned cooperative that provides a wide range of financial products and risk management services for agricultural producers, agribusinesses, and farmland and rural homeowners. FCSC strives to provide a culture and environment that values fun, integrity, respect, service and trust.
Position Summary:
The Loan Officer will be responsible for achieving growth of loan portfolio in assigned territory through professional marketing and visibility, while creating and maintaining existing lending relationships. They will also be able to identify opportunities to create new relationships by leveraging Agricultural producer networks and referrals to build relationships to achieve business results. The chosen candidate must be able to communicate the value of Association products and of doing business with Farm Credit.
The Loan Officer processes, analyzes, and services a moderate to high volume of mortgage and commercial loans of various sizes. Works collaboratively with functional teams within the organization.
Our ideal candidate values relationships, respects the knowledge and talents of others, and works as part of a professional team to provide high quality customer service.
Essential Responsibilities:
Marketing and Relationship Management
- Creates and maintains relationships with borrowers
- Identifies opportunities to create new relationships
- Communicates value of Association products and services to new and existing borrowers
- Hosts events for new and existing borrowers
- Attends conferences and events to market to new and existing borrowers
Loan Origination and Renewals
- Interviews and gathers application information from borrowers
- Initiates origination and servicing processes in loan software
- Enters customer information, loan details and financial information into loan software
- Delegates work to Credit Support Specialists
- Collaborates with supervisor and peers to discuss options available for borrowers
- Contacts external parties to finalize details for loan closing
- Orders and reviews appraisals
- Informs borrowers of loan decisions
Credit Analysis
- Verifies completeness and accuracy of loan package and financial information presented by borrowers
- Reviews financial analysis and credit write-ups
- Identifies risk rating
- Approves loans within individual and team authority levels
- Refers loans outside credit authority levels to the Central Loan Committee
Loan Closing
- Reviews loan documents prior to closing
- Administers loan closings to ensure complete execution of loan documents
- Delivers executed documents to Operations Team
Portfolio Monitoring and Servicing
- Monitors loan portfolio for customer delinquency
- Addresses loan delinquency according to established policy and procedure
- Responds to customer requests and questions related to loans
- Collects annual financial information and initiates annual financial reviews
- Evaluates borrower collateral/chattel annually
- Approves servicing actions within delegated authority
Chattel Evaluations
- Inspects and evaluates collateral to identify condition, accessibility and marketability
- Researches comparable sales
- Documents findings
- Coordinates chattel inspections & appraisals with Appraisal department
Education
- Completes continuing education related to credit philosophies, policies and procedures, and regulations
- Completes training regarding Association or software/hardware changes
Data Security and Confidentiality
- Appropriately protects the confidentiality, security, and integrity of the Association, employees, borrowers, and other stakeholders
Qualifying Characteristics:
Seniority and accompanying compensation will be dependent upon level of experience and knowledge.
- Driver’s License
- Knowledge of agricultural operations
- Knowledge of agricultural markets
- Knowledge of financial statements and mathematical concepts
- Knowledge of financial structuring and loan products
- Knowledge of accounting principles, practices and methods
- Knowledge of credit administration and portfolio management procedures
- Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save basic documents
- Skill in oral and written communication, sufficient to exchange information effectively with peers, supervisor and borrowers
- Skill in establishing and maintaining productive relationships within and outside the organization, borrowers and vendors
- Skill in gathering, compiling and organizing information
- Skill in listening closely to understand the speaker’s intent
- Skill in listening and conveying awareness of a borrower’s problem or issue to find resolution
- Skill in interacting and working effectively with others
- Skill in focusing and concentrating on details
- Skill in applying processes and procedures to factual data to make a logical decision
- Skill in reasoning persuasively to sell or promote financial services and products
Farm Credit of Southern Colorado is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or protected veteran status.
The following information is disclosed in compliance with the Colorado Equal Pay for Equal Work Act. Similar positions applied for outside of Colorado will not necessarily receive the same compensation.
Salary Range: $50,000-120,000
This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting. Actual salaries could vary and may be above or below the range as permitted by Colorado Equal Pay Transparency Rule 4.1.2. Variation is based on various factors including but not limited to location, qualifications, experience, operational needs and other considerations permitted by law. In compliance with the Colorado Equal Pay for Equal Work Act, a potential new employee’s salary history will not be used in compensation decisions. In addition, benefits for this position include medical, dental, vision and life insurance, 401k, tax advantage accounts, paid vacation, sick leave and parental leave.
FINAL DATE FOR APPLICATION: Position Open Until Filled
APPLY NOW
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Vice President - Corporate Attorney
DATE POSTED: November 5th, 2024
POSITION: VP, Corporate Attorney
LOCATION: Colorado Springs, CO
Farm Credit of Southern Colorado (FCSC) is seeking a VP, Corporate Attorney to join our team. The chosen candidate will be responsible for providing legal counsel, advice, analysis, and support on a wide range of matters in order to protect the Association’s legal interests.
This position is full time, working approximately 40 hours a week, and is benefits eligible. Occasional travel may be required to sufficiently support other locations within territory.
Organizational Information
At Farm Credit of Southern Colorado, we believe in creating a culture where teammates enjoy coming to work and feel included. We live this every day by enacting our FIRST principles, Fun, Integrity, Respect, Service, and Trust. Our commitment to our employees has earned Farm Credit of Southern Colorado recognition by the Colorado Springs Gazette a Best Place to Work for the past 3 years. Come join us in Colorado Springs, ranked No. 3 in US News & World Report’s 2023-2024 Best Place to Live survey!
As one of the Farm Credit System’s associations, Farm Credit of Southern Colorado is a robust organization serving its member/owners in 31 counties throughout Southern Colorado. With over $1.6 billion in assets, Farm Credit of Southern Colorado’s approximately 100 staff members bring strength to its shareholders and communities. Farm Credit of Southern Colorado is a member-owned cooperative that provides a wide range of financial products and risk management services for agricultural producers, agribusinesses, land owners and rural homeowners.
Today, the Farm Credit System is one of the strongest, most financially sound lending institutions in the U.S. Its 59 institutions serve our country’s farmers and ranchers, rural America, and agribusiness.
Position Summary:
The VP, Corporate Attorney provides legal counsel, advice, analysis, and support on a wide range of matters in order to protect the Association’s legal interests. The VP, Corporate Attorney educates members of the leadership team in legal and compliance matters and effectively manages and resolves legal issues that confront the organization.
Responsibilities:
Advice and Counsel
- Provides legal advice to Association management and employees on business matters, including matters related to:
- Farm Credit Administration Act and regulations
- borrower and loan eligibility
- lending compliance matters
- commercial law and contracts
- employment matters
- corporate law
- real estate
- bankruptcy
- data and system security
- Weighs legal liability and risks against business costs and opportunities and advises Association management and employees on business activities
- Interprets legal and regulatory changes and provides advice
- Advises the Board on the annual Standards of Conduct (SOC) reporting process and determines if SOC reports meet regulatory requirements
- Recommends Association position on state and federal legislative issues and serves as the primary legislative contact for the association
- Updates the Board and committees on Association legal activities
Legal Compliance and Training
- Identifies, researches and resolves legal, policy and compliance issues
- Reviews recently enacted laws and regulations and identifies actions necessary to achieve compliance
- Ensures bylaws, resolutions, policies, agreements, forms and communications are compliant with legal obligations and sound business practices to minimize risk
- Writes reports and legal opinions
- Answers questions and provides guidance and training to Association employees on legal and compliance topics
Contracts
- Negotiates and drafts legal documents and agreements with employees and third parties
- Negotiates or supports business negotiations on contract provisions
- Identifies and communicates legal issues related to Association contracts with vendors, third party servicers and others
- Provides post-execution consultation with Association employees regarding the interpretation, enforcement and termination of contracts
Association Standards of Conduct Liaison
- Works as a liaison between external Standards of Conduct Official and association employees, answering questions as appropriate or referring to the SOCO when necessary
- Coordinates, tracks and maintains annual Standard of Conduct disclosures, Codes of Ethics and association and board training in these areas
Litigation
- Monitors and manages litigation of varying types including foreclosure, bankruptcy, estate claims and other collection actions, condemnations, etc.
- Provides advice on litigation strategy and settlements
- Drafts agreements, pleadings, collection and other documents as needed
Minimum Qualifying Characteristics:
- Juris Doctor from an American Bar Association accredited law school
- 5+ years of experience in a law firm or corporate law department in the banking industry. Background or experience in agriculture preferred.
- Active license to practice law in the state of Colorado
- Working knowledge of federal and state laws regarding creditor’s rights, contracts, real estate, the Uniform Commercial Code, employment and employment discrimination, bankruptcy, and business and commercial litigation
- Working knowledge of federal and state laws and compliance requirements within the financial industry and relevant to the Association, including the Farm Credit Act and Farm Credit Administration regulations
- Working knowledge of commercial loan documentation
- High level of integrity
- Strong attention to detail and high accuracy
- Strong analytical, critical thinking and decision-making skills
- Skill to identify, analyze and research complex legal and business issues
- Skill in exercising sound legal and business judgment in a decisive and timely manner
- Skill in developing and maintaining good interpersonal relationships when dealing with complex issues
- Strong oral and written communication and presentation skills to effectively communicate complex topics to a variety of audiences and to draft legal documents.
Farm Credit of Southern Colorado is an Equal Opportunity Employer dedicated to diversity in the workplace and offers a great work environment. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, sex, national origin, disability, or protected veteran status.
The following information is disclosed in compliance with the Colorado Equal Pay for Equal Work Act. Similar positions applied for outside of Colorado will not necessarily receive the same compensation.
Salary Range: $150,000 to $190,000.
This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting. Actual salaries could vary and may be above or below the range as permitted by Colorado Equal Pay Transparency Rule 4.1.2. Variation is based on various factors including but not limited to location, qualifications, experience, operational needs and other considerations permitted by law. In compliance with the Colorado Equal Pay for Equal Work Act, a potential new employee’s salary history will not be used in compensation decisions. In addition, benefits for this position include medical, dental, vision and life insurance, 401k, tax advantage accounts, paid vacation, sick leave and parental leave.
FINAL DATE FOR APPLICATION: Until the position is filled.
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Our Purpose. Our Pride.
Our Hiring Process
1. Eligibility
We look for passionate, talented, motivated, and kind people.
We have a commitment to ensure that our customers always come first. As a cooperative, we believe in doing everything we can to make sure our members find success. While lending and providing financing is at the core of what we do every day, to us, it’s more than that. We fight for our partners, we strive to help them in the good times and the bad, and we passionately work towards progressing the future of agriculture and rural America.
2. Application
We pride ourselves on being an employer of choice. While many positions require an agriculture background, we have talented employees in many different departments.
From marketing to training & development, to IT and compliance, we have it all. We believe in hiring the right people and getting out of their way for them to shine and be successful. Don’t see a job opening that you’re passionate about? Still want to be on our team? Send us a message below and tell us how you could fit in our association and help us be successful.
3. Review Process
Once we receive your application, there are many things that are going to happen.
We make sure that every employee we hire is not only a good fit for our company but that we are a good fit for them, too. We put all finalists for positions through screenings, personality tests, phone interviews and more, before we have an in-person interview. We take all factors into consideration, from resume/CV, and cover letter, to how you score on these screening tests.
4. Success
We pick the best and the brightest to work at FCSC.
Our employees are a cut above. To join our family and progress your career, just be yourself. If you have the talent, the character, the values and the experience we are looking for, sit back and relax. We want to spend time getting to know you.
How to nail your interview:
Dress to Impress
While we work in agriculture, we hold a business casual dress code at our company. Remember it is suggested to dress one pay grade higher than the job you are going for.
Be Genuine
If you are in an in-person interview, be yourself! We are trying to get to know you better, hear more about your experience, and see if you’d fit in with our employees. It’s okay if the answer to a question is ‘no’. We care more about your character and your experience than you being the perfect fit!
Be Present
Nothing ruins an interview more than a cell phone, a water bottle, or your own refreshments at the table. Be present. Have no fear, the water and coffee will appear! Beyond setting distractions aside, ask thoughtful questions. Be aware of who we are and what our mission is. (Hint: go check out our About page). Having done some research on our company and our mission and being actively engaged in a conversation will set you up for great success. Remember, a follow-up note after the interview sets you apart from the rest.
Apply Now.
Join over 90 employees excelling in agriculture and financing.
Become part of Farm Credit of Southern Colorado to further your career.
Your partner in agriculture throughout Southern Colorado
Learn more about your AG Financing Team here at Farm Credit of Southern Colorado.