Financial Services Specialist

Description/Job Summary
At FCS Financial, part of the nationwide Farm Credit System, we are looking for a Financial Services Specialist to join our Customer Service Team! FCS Financial is a member of the largest agriculture lending cooperative in the United States today. We are looking for a friendly, confident, customer-focused, pro-active, organized, and precise individual that enjoys working with our customers! If you are a team player, and someone who can multitask, this opportunity is for you! The person in this role primary focus is to help our Member Owners by providing exceptional front-line customer service in our Lebanon Branch! The Financial Services Specialist also assists the Loan Officers in preparing loan packages that meet procedural and regulatory requirements. This includes, but is not limited to, collecting personal data, preparing loan closing documentation, and organizing and analyzing data for completeness. Additionally, this person applies standard processes, policies and procedures to determine actions on various account maintenance activities.
The starting salary for this position is $41,000, however salary may be commensurate with experience.
This position is located in Lebanon, Missouri.
This position is classified as Non-Exempt under the Fair Labor Standards Act.
This position is open until filled.
Department: Marketplace Services
Reports To: Customer Service Team Leader - Traditional/PT Farmer
Supervises: None
Responsibilities/Duties
Percentage
Job Functions
55%
Loan Origination, Processing and Servicing
Assists the Financial Services Officers in preparing loan packages that meet procedural and regulatory requirements by:
Assisting in the collection of personal and financial data
Completing data entry for loan submission
Organizing and reviewing data for completeness and accuracy (underwriting/ loan servicing, etc.)
Determining and ensuring completion of compliance requirements
Preparing loan closing documentation
Verifying adequate insurance coverage and local, state and third party required loan documentation
Following up on missing or incomplete documentation (i.e. earnings information / financial information, etc.)
Completing lien and related legal entity searches, background and financial searches and flood determinations
Maintaining electronic file
Interpreting and satisfying loan approval conditions and reconciling verifications
Completing and submitting documents for various government sponsored loans per program requirements (MoFirst, FSA, etc.)
Processing loan servicing action request
Post close data review and maintenance
Ordering and reviewing title work and appraisals
15%
Customer Service
Answers the phones and assists walk in customers by assessing and interpreting customer needs.
Responds to customer request and /or identifies staff member who should respond to customer request.
Accepts, identifies and processes loan payments and provides receipts to customers
Provides various other services which may include loan and funds held advances, payoff documentation, ordering drafts and notary services
Provides standard information on rates, products and insurance to customers
15%
Account Maintenance
Applies standard processes, policies and procedures to determine actions on various account maintenance activities, which may include:
Posting receipts and disbursements daily
Monitoring daily, monthly and year end reports to identify and resolve discrepancies
Processing incoming and outgoing electronic transfers
Making initial customer contact on early delinquent payments
Correcting customer account payment or disbursement entries
Determining need for collateral releases and returning paid notes in compliance with paid in full loan procedures
Monitoring insurance documentation to ensure procedural requirements are met
Assists in monitoring Loan Covenants and servicing plans
15%
General Office Duties
Contacts service providers for office equipment and building maintenance and document shredding
Orders office supplies
Schedules, sets up and coordinates meetings and events for internal and external groups
Authorizes invoices for office expenses
Handles internal and external mail
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.
Required Skills
Minimum Qualifications
High School diploma
2 years of related experience
Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Required Knowledge and Skills
Working knowledge of the operation of a multi-line phone system
General knowledge of credit processing procedures
General knowledge of accounting practices and procedures
Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers
Skill in listening and conveying awareness of a customer's problem or issue to find resolution
Skill in performing a variety of duties, often changing from one task to another of a different nature
Skill in organizing material and information in a systematic way to optimize efficiency
Skill in recognizing and maintaining confidential information
Skill in utilizing Word, Excel, Outlook, Teams, Docusign and PDF Exchange to increase efficiency and/or effectiveness.
Responsible to appropriately protect the confidentiality, security, and integrity of the Association's systems and data and clients' data