FCS Financial

Vice President, Team Leader Special Assets

VICE PRESIDENT, TEAM LEADERSPECIAL ASSETSJoin Our Team as Vice President, Team Leader Special Assets!Why FCS Financial? Ever dreamed of being part of an organization with deep roots in agriculture and the community? For over 100 years, as part of the Farm Credit System, we've been supporting agriculture and rural communities in Missouri. If you are a strategic thinker with a passion for solving complex financial challenges and you have the ability to make strong decisions that directly impact organizations success, act now and apply for this Team Leader Special Assets opportunity!About the Role:As the VP, Team Leader, Special Assets, you will be at the forefront of managing distressed loan accounts, leading a high performing team, and shaping strategies that protect the Association while delivering exceptional customer experiences. This is a high impact role where your leadership, financial acumen, and legal insight will drive meaningful results.What We Offer:

Competitive Salary:$122,000 - $190,000
Top-Notch Benefits:Health, dental, and vision, plus a standout 401(k) plan
Flexible Work Environment:A combination of hybrid and in-office work arrangements will be considered for candidates within FCS Financial's Loan Servicing Area
Location:Preferred Office location is Jefferson City however location is flexible depending on the qualifications and needs of the candidate.

What You Need

Education:Bachelor's degree in Business, Finance, Ag Economics, or related field
Experience:5+ years of relevant experience, including 3+ years in a leadership role,
Knowledge:Deep understanding of lending, credit, and legal recovery process. Strong negotiation, communication, and analytical skills. Knowledge of real estate and chattel laws, UCC, bankruptcy and litigation.

This position is open until filled.This position is located in Jefferson City, MO or Columbia, MOFlexible work hours will be considered after the initial training period is complete and based off the candidates' qualifications and needs.This position is classified as Exempt under the Fair Labor Standards Act.Department: Risk ManagementReports To: Chief Risk OfficerJob Functions*

Percentage	Job Functions
25%	Leadership and Staff Management Lead, coach, and develop the Resource Team Assign accounts and responsibilities; monitor and manage progress, workloads, and overall resource allocation Coordinate monthly and quarterly reporting Identify training needs and lead training sessions for the Resource Team and the Association
45%	Risk Mitigation Determine strategies for problem loans to minimize loss and protect the Association Directly manage and/or make decisions for large, complex problem accounts, ensuring strategies deliver the greatest benefit and least cost to the association Approve or deny borrower restructuring applications based on least-cost analysis Negotiate workout/restructuring terms directly or through staff/legal counsel Oversee Borrower Rights compliance and loss mitigation reporting Collaborate with Resource Team and other Association Staff on distressed accounts to proactively structure the relationship to minimize the risk of loss on individual loans, enhance the customer experience as well as minimize marketplace reputation risk for the Association Collaborate with Resource Team and other Association Staff on risk identification and mitigation strategies Collaborate with lead lenders on adversely classified participation accounts to protect interests of Association. Determine loan asset values, specific allowances, charge-offs, accrual status, and accounting treatment for modifications Work with legal counsel on legal actions to be taken on accounts, including foreclosures, bankruptcies, lender liability exposures, probate cases and other litigation/legal issues
20%	Risk Assessment Prepare Loan Service Plans on adverse accounts Conduct case reviews to identify risk factors and recommend mitigation strategies Determines loan classification - Probability of Default (PD), Loss Given Default (LGD) and accrual/non-accrual status Evaluate collateral values and recovery potential
10%	Acquired Properties Manage acquired properties for timely disposition while minimizing losses Inspect properties, review appraisals, set listing and sale prices Coordinate sales with local realtors and auctioneers
n/a	Other duties as assigned to meet the needs of the organization.

*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

Bachelor's degree in Business, Finance, Ag Economics or a related field
5 years of related experience
3 years of supervisory experience
Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Good understanding of legal issues and agriculture

Required Knowledge and Skills

Expert knowledge of lending and credit management
Strong negotiation and communication skills
Ability to work effectively on teams by building strong relationships, listening to others, valuing opinions, and helping team to meet goals
Working knowledge of FSA guarantee programs
Legal recovery is a large part of this job and a sound working knowledge of real estate and chattel laws, UCC, bankruptcy and other litigation is required
Ability to reason, judge, compare, evaluate and critique such information as written materials, numerical data, responses to customer needs and/or other work-related activities
Ability to manage multiple tasks and meet deadlines
Skill in utilizing Word/Excel/PowerPoint/Outlook to increase efficiency and effectiveness
Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data

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