Careers

Financial Analyst – Position  

DATE POSTED:              7/15/2024

POSITION:                    Financial Analyst

LOCATION:                   Southern Colorado Territory or Remote

Farm Credit of Southern Colorado is seeking a Financial Analyst to analyze business and financial data and prepare financial reports to support organization decision making.

Organizational Information

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.

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.  Over $1 billion in assets, Farm Credit of Southern Colorado’s approximately 90 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.

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.

Position Summary:

The Financial Analyst analyzes business and financial data and prepares financial reports to support organization decision making. The Financial Analyst will assist with preparation of the financial forecast and monitor organization performance against business plan objectives, complete monthly management reports and other standard reports, and assist with quarterly and annual shareholder reports. In addition, as a member of the accounting team the Financial Analyst will prepare general ledger entries and account reconciliations as assigned and participate in streamlining accounting and financial processes and accounting research. The Financial Analyst works on special projects requiring financial analysis, creating financial models, recommending appropriate courses of action and assisting with root cause analyses when needed.

Responsibilities:

Financial Reporting

• Supports the completion of monthly management reports by providing requested data, and verifies the accuracy and completeness of data reported therein
• Provide information as needed for quarterly and annual shareholder reports, and quarterly call reports
• Prepares a variety of standard reports for internal use utilizing various report writing applications
• Develops ad-hoc financial analysis for other departments, senior management, and Board of Directors meetings, as requested
• Creates assigned reports and performs user acceptance testing to ensure accuracy
• Ensures reporting and disclosure is prepared in compliance with GAAP and FCA regulations
• Reviews and makes recommendations for updates to financial policies and procedures
• Analyzes and interprets FCA regulations related to financial reporting

General Accounting

• Prepares general ledger entries and account reconciliations as assigned
• Participates in the implementation of enhanced and streamlined accounting and financial processes, while also collaborating on the development, implementation and ongoing management of new/enhanced systems
• As a member of the accounting team, supports team members through accounting research when needed, while also ensuring alignment with FCSC standards, policies and processes; and compliance with regulatory and other related requirements
• Develops and maintains a strong working knowledge of accounting practices, products and key systems.
• Supports the maintenance and execution of a strong internal control environment

Financial Planning and Analysis

• Assists finance with preparation of the financial forecast
• Monitors performance against business plan objectives
• Identifies risks and opportunities related to each area of accountability

Special Projects

• Completes ad hoc projects requiring analysis of financial and organizational data
• Gather requirements, evaluate processes, identifies trends, issues, and opportunities and then recommends a course of action
• Implements approved changes
• Prepares root cause analysis of issues identified

Data Security and Confidentiality

• Appropriately protects the confidentiality, security, and integrity of the Association’s systems and data and clients’ data

Minimum Qualifying Characteristics:

• Bachelor’s degree in accounting, finance or a related field
• 5-7 years of experience in accounting, including experience preparing financial statements; or an equivalent combination of education and experience sufficient to perform the essential functions of the job
• Working knowledge of generally accepted accounting principles (GAAP) methods, practices and application
• Ability to interpret FCA legislation Knowledge of internal financial framework and best practices General knowledge of Farm Credit Administration (FCA) regulations
• Skill in preparing financial statements and writing reports
• Skill in utilizing Word, Excel, PowerPoint, and Outlook
• Skill in oral and written communication sufficient to exchange information effectively with peers, management, other Farm Credit contacts and a variety of audiences
• Skill in analyzing complex financial data by using logic and quantitative reasoning
• Ability to exercise judgment as required for in-depth and complex problem solving
• Skill in organizing material and information in a systematic way to optimize efficiency and understanding
• Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to advance the organization’s interests and increase personal efficacy
• Skill in prioritizing assignments to complete work in a timely manner
• Ability to work effectively in a team environment and effectively demonstrate team development attitude and skills

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: $75,000 to $90,000.

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

Senior Credit Analyst Position

DATE POSTED: July 12 , 2024

POSTION:      Senior Credit Analyst

Farm Credit of Southern Colorado (FCSC) is seeking a Senior Credit Analyst to join our team.  The chosen candidate will be responsible for recommending or approving within delegated credit authority, credit applications by evaluating financial statements and interpreting and applying Association credit standards.

Organizational Information

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.

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.  Over $1 billion in assets, Farm Credit of Southern Colorado’s approximately 90 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.

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.

Position Summary:

The Senior Credit Analyst is responsible for working on credits of larger size and complexity, recommending and approving loans within delegated credit authority, evaluating financial statements, and interpreting and applying Association credit standards. This includes credit analysis, drafting loan narratives, and credit administration. Essential responsibilities of this role include entering data of borrower provided information into the system, verifying completeness and accuracy of loan packages, cash flow analysis, as well as analysis of balance sheets, income statements and earned net worth trends. The Credit Analyst will also prepare loan narratives to support approval, denial or counterproposal of credit requests. The chosen candidate will also provide guidance to branch and credit staff on credit standards and information gathering techniques.

Minimum Qualifying Characteristics:

• Bachelor’s degree in accounting, agricultural business, business administration, finance, mathematics or related field
• 7+ years of experience in credit analysis or an equivalent combination of education and experience sufficient to perform the essential functions of the job
• Expert knowledge of financial statements
• Expert knowledge of credit analysis and regulatory requirements with respect to borrower’s rights
• Expert knowledge of accounting principles, practices and methods
• Expert knowledge of financial structuring and loan products
• Working knowledge of agricultural operations
• Working knowledge of Word/Excel/Outlook sufficient to create, update and save a variety of documents
• Skill in oral and written communication, sufficient to exchange information effectively with peers, supervisor and borrowers
• Skill in differentiating significant and insignificant details
• Skill in analyzing information to define a problem or objective

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: $75,000 – $90,000.

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: Open until filled.  

APPLY NOW

Farm Credit of Southern CO – Rural 1^st Mortgage Loan Officer- Position 

DATE POSTED:              7/15/2024

POSITION:                    Rural 1^st Mortgage Loan Officer

LOCATION:                   Southern Colorado Territory

Farm Credit of Southern Colorado (FCSC) is seeking a Rural 1^st Mortgage Loan Officer to join our team.  The chosen candidate will be responsible for building relationships with business contacts and prospects in the assigned territory in order to originate rural home loans and rural recreational property loans.  The Rural 1^st Mortgage Loan Officer leads customer relationships and coordinates with others throughout the loan process.

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 Rural 1st Mortgage Loan Officer (RLO) builds relationships with business contacts and customers in the Southern Colorado territory. The RLO uses their knowledge of the consumer marketplace, products, and finance to fully understand the prospect’s business and personal plans and markets the association’s rural home loan products, agricultural loan products and financial services that best meet those needs. The RLO leads the customer relationship and coordinates with others to serve the customer’s loan needs.

Responsibilities:

Sales and Relationship Management

• The RLO will originate consumer credit to customers seeking loans for rural residential and rural recreational property. The core function of this role is obtain loan applications and supporting financial information, screen requests for initial eligibility, and submit the applications to the underwriting team for review.
• Spends around 40%-60% of time out of the office traveling locally to build professional relationships with customers, prospective customers, industry professionals and other influencers. These sales and marketing efforts will result in rural home loan applications and contribute towards an increase in our market share in the assigned territory.
• Builds relationships with other brokers and agents to expand and maintain a presence in the marketplace while
• Develops understanding of customer goals, credit strengths and weaknesses to deliver “value added”/constructive financial services to the customer
• Determines and defines the appropriate customer interaction and coordinates the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer’s loan and servicing needs
• Communicates with the customer and with internal team members regarding the customer’s needs
• Introduces customers to the Association’s process and the retail service team that will support the process

Credit Delivery

• Gathers and documents customer financial information and application details, in compliance with lending requirements and in coordination with the credit department
• Interprets and evaluates financial information and asks appropriate follow-up questions to determine viability and profitability and the appropriate product or service
• Recommends loan terms, conditions, and collateral position consistent with the request and associated loan risks, and sets clear expectations with the customer
• Documents customer information in appropriate systems
• After initially screening for soundness, submit information to our credit department for final decision
• Communicates credit decisions, loan terms and conditions to the customer

Service Portfolio

• Coordinates the disbursement process in home loan construction projects in cooperation with the construction team
• Refers to Operations department to complete servicing actions required for individual customer circumstances.

Minimum Qualifying Characteristics:

• 2–10 Years Lending Experience; preference for experience in mortgage or consumer lending
• Bachelor’s degree in business administration, finance, accounting or related field; or an equivalent combination of education and experience sufficient to perform the essential functions of the job.

• Driver’s license
• NMLS ID
• General knowledge of financial services products and processes
• General knowledge of the market segment and territory
• General knowledge of financial statements and mathematical concepts
• General knowledge of economic conditions
• General knowledge of consultative selling techniques
• Skill in engaging in conversation to identify customer needs and opportunities
• Skill in reasoning persuasively
• Working knowledge of association products, services, fees and their application to customers’ needs
• Working knowledge of market segment and territory
• Working knowledge of economic conditions, competitions’ products, interest rates and fees
• Working knowledge of origination systems and process
• Working knowledge of financial statements and mathematical concepts
• Skill in establishing and maintaining productive relationships within and outside the organization
• Expert skill in consultative selling
• Skill in creating networks with business contacts and influencers to develop sales
• Skill in negotiations
• Skill in assessing and delivering sound credit
• Skill in reasoning persuasively to sell or promote financial services and products
• Skill in closing sales

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: $67,000-$115,000 base salary plus potential annual incentive based upon sales production.

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

Southern CO Territory – Loan Officer Position

DATE POSTED:                  Continuous

POSITION:                           Loan Officer

LOCATION:                         Eastern/Southern CO Territory

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:   There are no current openings for this role. If you are interested in being contacted for future openings, please submit an application below.    

APPLY NOW