Agriculture Loan Officer

HR Consulting Solutions • Mayfield, KY

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About The Position

At River Valley AgCredit, we have an exciting opportunity for an Agricultural Loan Officer to serve as a trusted financial partner for farmers and agricultural producers in Mayfield, KY. In this position, you will be the “go-to” resource for local producers seeking financing to start, grow, or sustain their farm operations. Whether helping a multi-generation family farm expand or assisting a beginning farmer secure capital for their first operation, you’ll play a vital role in supporting the agricultural community and strengthening the local economy. This position is ideal for someone who enjoys being out in the field, building long-term relationships, understanding the ag industry, and helping producers achieve success through responsible financial solutions. This role focuses exclusively on agricultural and agribusiness lending, serving producers in and around Graves County, KY. Candidates must reside in or be willing to relocate to the local market area and actively participate in community and agricultural events.

Requirements

• Bachelor’s degree in Business Administration, Agricultural Economics, Agriculture, Finance, or a related field.
• Demonstrated knowledge of farm management, agricultural finance, and ag industry trends.
• Hands-on experience working with agricultural operations, farm management, agribusiness, or rural producers.
• Previous experience in agricultural, commercial, or rural lending preferred; strong agricultural industry experience required.

Nice To Haves

• Knowledge of laws, regulations, principles, and credit practices within the Farm Credit System or similar financial institutions.
• Proficiency in loan origination systems and Microsoft Office Suite.
• Strong analytical, organizational, and communication skills.
• Skilled in developing new business, conducting sales calls, and presenting loan proposals.
• Ability to build strong relationships with ag producers, farm families, and agribusiness owners.
• Familiarity with local agricultural practices, commodities, and producer needs within Graves County and surrounding Western Kentucky region preferred

Responsibilities

• Proactively develop and expand relationships with farm families, ag producers, and rural landowners through farm visits, networking, and community engagement.
• Prepare, structure, and present loan proposals for farm operating loans, real estate, equipment, and agribusiness financing.
• Evaluate borrower eligibility, repayment ability, collateral, and other risk factors in accordance with Farm Credit System and Association policies.
• Administer loans responsibly, ensuring proper documentation, accuracy, and compliance with regulations.
• Conduct regular farm visits to assess collateral, monitor operations, and strengthen member relationships.
• Maintain thorough knowledge of River Valley AgCredit’s products, services, and the agricultural industries served.
• Take appropriate corrective actions when necessary to mitigate risk and protect the Association’s position.
• Represent River Valley AgCredit positively within the community and promote the cooperative’s mission and values.
• Participate in ongoing professional development to enhance lending expertise, regulatory knowledge, and agricultural industry understanding.
• Ensure all lending activities comply with Farm Credit System standards, Association policies, and applicable federal and state regulations.
• Actively pursue new lending opportunities and contribute to portfolio growth through strategic prospecting and referral development.

Benefits

• Competitive Salary
• Performance-Based Bonus (Incentive Pay)
• Generous PTO (Vacation and Sick Time)
• 12 Paid Holidays
• Medical, Dental, and Vision Insurance
• 401(k) Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
• Company Provided Life Insurance and Disability Coverage

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level