Director of Credit Input & Financing

Job Description

Job Description

Heritage Cooperative is always looking for friendly, outgoing, customer-service driven employees. Our people are our greatest asset, and we are constantly thinking outside of the box for new ways to make working at Heritage Cooperative attractive to our current and prospective employees. If you see yourself as the future Director of Credit and Input Financing with Heritage Cooperative, apply TODAY at

POSITION DESCRIPTION

The Director of Credit leads input financing for the cooperative, working closely with agronomy and sales teams to evaluate, structure, and approve customer credit. This role is primarily focused on farmer-facing input financing while providing oversight of credit practices across energy, feed, and retail. The position also works with third-party financing solutions to support customers who do not qualify for internal credit, ensuring both growth and disciplined risk management.

QUALIFICATIONS

Experience in credit, finance, or agricultural lending. (Ag lending experience a plus)

Bachelors degree with applicable focus

Experience with UCC searches and filing, crop liens, and agricultural structures preferred.

Strong financial analysis and credit decision-making skills.

Ability to build relationships with farmers, customers, and internal teams.

Leadership experience or demonstrated ability to guide others.

Willingness to travel locally for customers and farm visits.

ESSENTIAL JOB FUNCTIONS

Serve as a positive representation of Heritage Cooperative’s Core Values

• Provide Superior Customer Service
• Highest Standards of Integrity and Trust
• Continuous Improvement
• Being a Good Partner

Lead input financing credit decisions through direct engagement with farmers, including financial analysis and structuring of credit lines.

Partner with agronomy and sales teams to support business growth while maintaining sound credit standards.

Meet with customers and conduct occasional farm visits to assess creditworthiness and strengthen relationships.

Oversee credit analysts and provide guidance and approval on larger or more complex credit exposures.

Ensure consistent credit policies and practices across all business units.

Works with third-party financing relationships and place deals when internal credit is not appropriate.

Monitor credit portfolio performance and identify emerging risks or trends.

Abide by all safety regulations to ensure safety of oneself, coworkers and customers

Other duties as assigned

WHY HERITAGE?

Medical, Dental, and Vision Insurance

Company Paid Life and AD&D Insurance

Company Paid Disability

Paid Holidays, Sick, and Vacation Time

401k with Company Match after 6 months

Farm Bureau Membership

Profit Sharing

Questions? Contact [email protected]

DISCLAIMER

The job description is not intended to cover or describe all tasks, duties and responsibilities the employee may be required to be asked to perform. Heritage Cooperative retains the right to change or add new tasks, duties and responsibilities at any time, with or without notice to the employee.

WORK AUTHORIZATION

Evidence of work authorization upon employment is required in compliance with the Immigration Reform and Control Act of 1986. Completion of USCIS form I-9 will be required in order to verify employment eligibility within 3 business days of the first day of employment.

AAP/EEO STATEMENT

Heritage Cooperative provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Heritage Cooperative complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Heritage Cooperative expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of Heritage Cooperative’s employees to perform their job duties may result in discipline up to and including termination.