Our 90+ employees combine knowledge, integrity, and good old common sense to provide the products and services our members and customers need to grow profitably. Farmers Grain is proud to offer employees a challenging career, with a competitive salary and excellent benefits. The cooperative encourages employees to grow professionally through training and advancement. Apply now and start your career with Farmers Grain.
SUMMARY This position accounts for the entire credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses.
ESSENTIAL DUTIES AND RESPONSIBILITIES (include the following and others may be assigned) Maintains the corporate credit policy; Recommends changes in the credit policy to senior management; Manages customer credit files; Monitors the credit granting and updating process; Accepts or rejects the staff’s credit recommendations; Personally investigates large customer credit applications; Personally visits large customers to establish relations; Monitors periodic credit reviews; Monitors deductions being taken by customers; Manages the application of late fees and finance changes; Manages negations with customers to create payment plans to facilitate payment of outstanding receivables, up to and including referral to an outside legal counsel; Provides excellent customer service by managing difficult or emotional situations; respond promptly to customer needs, resolve questions, complaints and concerns immediately and meet commitments; Effectively communicates by verbal and written means with customers, employees and management; Maintains and promotes safety awareness; follows safety policies, procedures and reporting requirements; Complies with all state and federal laws, codes and regulations; Presents a clean and professional appearance; Employee is required to perform all other duties as directed by the supervisor.
SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities.
QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications, demands and environments described below are representative of those an employee encounters while performing the essential functions of this job. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE Bachelor’s degree (B. A.) from four-year college or university; or five years related experience and/or training; or equivalent combination of education and experience. Excellent computer operation skills and knowledge of accounting software, spreadsheet software, word processing software and inventory software. Willing to seek out and attend additional continuing education, seminars, classes or other job-related education requirements or opportunities.
CERTIFICATES, LICENSES, REGISTRATIONS Valid Driver’s License
LANGUAGE SKILLS Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.
MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
REASONING ABILITY Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Must be able to think quickly and perform a mental assessment of workplace hazards, take appropriate precautions, and choose appropriate perform protective equipment (PPE) as dictated by need, regulation, and labeling.
WORK ENVIRONMENT While performing the duties of this Job, the employee is frequently required to use hands to finger, handle, or feel; reach with hands and arms; talk or hear; taste or smell; stand; walk; sit and climb or balance. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and /or move up to 25 pounds and occasionally lift and/or move over 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Employee must understand and implement all related safety policies, procedures and programs for prevention and protection while performing job duties in various work environments.
Applicants Rights Under Federal Employment Laws
Health & Vision Insurance
Health and vision coverage are offered to all full-time employees through Blue Cross Blue Shield on the 1st of the month following 60 days of employment. Employee only coverage is paid for 100 percent by the employer.
Dental, Cancer, Disability, Hospital & Accident Insurance
A wide variety of insurance coverage is available to employees beginning January 1 following 60 days of full-time employment.
Term Life Insurance
Term Life Insurance is provided by Farmers Grain Company at no cost to the employee the 1st of the month following 60 days of full-time employment equal to 3 times annual earnings.
Dependent Term Life Insurance
Employees may purchase Dependent Term Life Insurance up to $5,000 for spouses and $2,000 for dependent children.
Flexible Spending Accounts/Section 125 Plans
On January 1 following 60 days of full-time employment, employees may elect to have up to $2,550 withheld on a pre-tax basis from their check for unreimbursed medical and/or dependent care expenses.
Co-op Retirement Plan
Farmers Grain provides retirement for its employees through the Coop Retirement Plan. Employees who have completed at least 1,000 hours of service during the plan year will be enrolled in the plan. Both the Cooperative and the employee are subject to the provisions of the plan and the cost of the plan is shared by the employee and the Cooperative. Participation in the Coop Retirement Plan is a condition of employment and all eligible employees must participate.
Farmers Grain also offers employees the option to contribute to a retirement benefit plan. Employees may contribute up to 100% of their annual earnings, to the IRS maximum, beginning the first of the quarter after 12 months of employment and at least 1000 hours of service. FGC will match the employee’s contribution to a maximum of 2%. Employees have several investment options.
Annual Employee Incentive
Full-time employees, who have completed at least one year of service, are eligible to receive an annual incentive. Full-time employees who have worked less than one year are eligible for bonus on a pro-rated basis.