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Loan Officer

Loan Officer

AgCarolina Farm CreditUSA, North Carolina, Elizabethtown
30+ days ago
Job type
  • Full-time
Job description

JOB DESCRIPTION

Loan Officer - Elizabethtown, NC

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.

    ABOUT US

    AgCarolina Farm Credit is the largest ag lending cooperative operating in North Carolina with a local presence throughout the territory. The Association has approximately $3.1 billion in gross loan volume, serving more than 6,000 members.

    Our purpose at AgCarolina Farm Credit (ACA) is to serve the agricultural industry and our rural communities, yielding a more prosperous future for all. We are committed to providing constructive credit and financial services to grow the success of our members, one local relationship at a time.

    We believe that an inclusive team of employees is the best way to serve our agricultural and agribusiness customers. AgCarolina refers to our diversity initiatives as inclusion initiatives. With inclusion, we seek to involve all employees, management team, and board in fostering an environment that encourages and acknowledges the positive contributions individuals from all backgrounds can make in the success of our organization. By embracing and leveraging our unique strengths we establish ourselves as a positive corporate citizen and an employer of choice.

    We are committed to attracting and developing an outstanding team of employees and supporting each one to achieve his or her full potential. Our success at AgCarolina GROWS by :

  • G rowing our people and association
  • R elationships built on respect, trust, and integrity
  • O wning responsibility for our attitudes, actions, and job performance
  • W elcoming everyone and treating them fairly
  • S erving one another, members, and local communities

    • In addition to our Core Values, AgCarolina has established competencies for employees, leadership, and senior leadership positions. These competencies are designed to provide a clear picture of the daily actions one can take and develop over time to add value to the Association and enhance their professional growth.

    Equal Opportunity Employer / including Disabled / Veterans. AgCarolina is unable to sponsor employment visas at this time.

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    Loan Officer • USA, North Carolina, Elizabethtown