Loan Officer

AgCarolina Farm Credit • Elizabethtown, NC

1d

About The Position

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.

Requirements

• 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

Nice To Haves

• Agricultural background preferred
• Lending experience preferred

Responsibilities

• 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

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 51-100 employees