Are you passionate about supporting agriculture and rural communities? Do you thrive in a relationship-driven environment where your analytical skills and customer service make a real impact? If so, we want to hear from you!
As a Loan Officer at AgCarolina Farm Credit, you'll play a key role in originating and servicing loans, marketing financial services, and developing strong relationships with borrowers in both the commercial and consumer markets. You'll work independently to manage a loan portfolio while contributing to the growth of our Association. As a Loan Officer in the Elizabethtown branch, you will serve both consumer and commercial borrowers primarily in Bladen, Robeson, Cumberland, and parts of Columbus counties. You'll be part of a culture that values mentorship, candid conversations, attention to detail, and timely decision-making-all in service of agriculture and rural communities.
What You'll Do:
Actively participate and seek lending relationships with existing and new customers
Market and sell Association financial services including leasing, crop and life insurance, Farm Credit Express, and preferred stock
Coordinate applications for branch-referred new and existing customers
Interview applicants and analyze credit and financial data using the five credit factors and differential analysis
Use delegated authority to approve loan structures, pricing, and conditions
Evaluate risk of loan transactions and assign probability of default and loss given default
Ensure loans comply with Association policies and procedures
Collaborate effectively with team members and neighboring departments
Remain active in community and industry events
Demonstrate a commitment to fair lending practices
Build and maintain positive working relationships to enhance the Association's reputation
What We Value:
At AgCarolina, we believe in:
Customer Focus - Building strong relationships through responsiveness and professionalism
Collaboration - Working closely with your team and other departments to deliver exceptional service
Excellence - Bringing precision, organization, and integrity to everything you do
Growth - Enjoying opportunities for development, innovation, and meaningful contribution
What We're Looking For:
Education and/or experience equivalent to a Bachelor's degree in business, finance, accounting, or agricultural economics
7 to 10 years of related lending experience and/or proven performance, agricultural lending experience preferred
Strong analytical, judgment, and communication (oral and written) skills
Ability to be assertive and decisive in making sound business decisions
Strong interpersonal, sales, and negotiating skills
Ability to handle high-stress situations professionally
Intermediate computer skills in Microsoft Office and Outlook
Ability to travel within and outside AgCarolina's territory for training
Quick learner, adaptable, and strong problem solver
Agricultural background preferred
Lending experience preferred
Why Join Us? If you're looking for:
Competitive pay, including eligibility for incentive pay
Comprehensive benefits (medical, dental, life, LTD, and others)
Company-matched 401(k) (100% match of the first 6% you defer)
Commitment to training and professional development
Meaningful work that allows you to make a difference in agricultural and rural communities
Opportunities for work-life balance
A great work environment with colleagues who share a commitment to our core values
AgCarolina Individual Competencies:
Communicates Effectively
Action-Oriented
Makes Good Decisions
Collaborates
Focuses on Our Members
Welcomes Everyone and Treats Them Fairly
Leadership
Internal candidates must be in their current role for at least 1 years before applying.
Interview Process: Applications received within the first 2 weeks of posting date will receive priority consideration. The position will remain open, however, until the vacancy is filled.
Phone Screen with AgCarolina HR Representative
In-person interview
Equal Opportunity Employer/including Disabled/Veterans. AgCarolina is unable to sponsor employment visas at this time.
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