Loan Officer or Senior Loan Officer

Golden State Farm Credit•Kingsburg, CA

8d•$78,521 - $134,590

About The Position

Do you thrive in a dynamic environment where you can make a meaningful impact on local agriculture? Are you passionate about building relationships and helping individuals achieve their financial goals? If this sounds like you, we invite you to apply! Golden State Farm Credit is seeking a Loan Officer to join our growing credit team in Kingsburg, CA. The ideal candidate will possess a knowledge of local commodities and an ability to combine agricultural and business knowledge to build new relationships with agricultural customers. Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a distinct work environment that fosters collaboration amongst teams, promotes a customer-centric approach to service, rewards those who take initiative, and provides a variety of projects to create an engaging work culture. We value teamwork, continuous learning, and the positive impact that our dedicated employees make. The Association reserves the right to hire a qualified candidate from the VP, Loan Officer classification instead of the Loan Officer or Senior Loan Officer classification, depending on applicant experience and organizational needs. Intrigued? Want to know more? Apply at Careers | Golden State Farm Credit ! Review the full job description below. DEADLINE TO APPLY: April 13th, 2026 at 3 pm Loan Officer Salary Range: $78,521 - $120,026 Senior Loan Officer Salary Range: $87,502 - $134,590 In addition to salary, the Association has a team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance. Position Summary: The Loan Officer position manages, maintains, and grows an assigned portfolio through building relationships, managing credit, servicing loans, and ensuring proper loan documentation to be consistent with Association policies. Loan Officer levels are differentiated by difference in education, experience, loan portfolio size, number of loans, experience, credit ability and additional responsibilities.

Requirements

Knowledge of the agriculture, financial and real estate industry, and applied business mathematics and principles.
Knowledge of Microsoft Office Suite, computers, current software, and other office tools.
Ability to effectively read, write, and communicate in the English language.
Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.
Skill in analyzing information and problem solving to formulate logical and objective conclusions.
Knowledge of accounting principles, practices, and methods.
Knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.
Knowledge of financial statements and Generally Accepted Accounting Principles (GAAP).
Knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology.
Skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business.
Skill in educating, promoting, and selling credit products to customers.
Skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.
Education: Bachelor’s Degree in Agriculture, Agribusiness, Business, Finance, or a related field
Loan Officer: 2 year of credit analyst experience. 0-2 years in sales, lending, or other related work
Senior Loan Officer: 3-5 years of loan officer experience.
Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
Experience and portfolio size can differ depending on experience and level of applicant.

Responsibilities

Loan Underwriting (LO 40%, Senior LO 30%)
Meets with, collects, and enters data from customers and potential customers into internal software
Analyzes financial data and makes recommendations for loan structure, terms, and conditions
Recommends loan approval, denial, or modification for loans
Negotiates loan structure and pricing for recommendation to customers and/or Loan Committee
Orders and reviews appraisals
Opening and ordering preliminary reports from a Title Company, along with the ability to analyze title searches
Monitor past dues
Verifies proper documentation are filed
Verifies financial documentation and closing conditions
Recommends product pricing
Communicates credit decision and completes required steps for closing
Contacts external parties to finalize details for loan closing
Participates in the ongoing design of processes to provide exceptional service, achieve satisfactory credit administration goals, and result in achievement of targeted credit quality with adequate compensation for risk
Loan Portfolio Management / Servicing (35%)
Services loans, including interest rate conversions, MERLOC extensions, re-amortizations, partial releases, fixed rate pricing assumptions, and collateral analysis
Works with staff to identify and develop plans to reduce risk for at-risk credit
Ensures regulatory compliance on loans by following Association policies and procedures
May report market and commodity updates to management
Analyzes and services non typical and complex loan application documents
Reviews and ensures compliance of borrower’s reporting and restrictive covenants
Recommends appropriate course of action (Distressed Loan Notice, advanced delinquent taxes, initiate foreclosure)
Business Development (LO 15%, Senior LO 25%)
Maintains a professional presence and develops a network to the constituency the Association serves, Farm Credit system, financial institutions, and regulators
Represents and promotes the Association at outside meetings and events
Generates sales leads to develop sound business relationships and produce new business
Educates customers on services and products offered by the Association
Loan Documentation (10%)
Enters additional credit information into software
Verifies documentation is accurate with title companies, legal department, and internal loan software
Data Security and Confidentiality
Appropriately protects the confidentiality, security, and integrity of the Association’s systems, data, and clients’ data
Commitment and Support of Association Mission
Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings