Loan Officer

Farm Credit Bank Of Texas•Smithfield, NC

About The Position

Loan Officer - Smithfield, 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 1 to 3 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 Our Commitment: Joining AgCarolina means being a part of a community rooted in serving agriculture and rural communities, yielding a prosperous future for our members and employees. In exchange for your time, talent, and commitment, we are committed to offering our employees: Competitive base pay, and eligibility for incentive pay based on personal and Association performance Comprehensive benefits (medical, dental, life, LTD, and others) effective the first day of the month following your date of hire Maternity, Paternity, and Caregiving Leave, because we care about our employees and know they have responsibilities outside of work A market-leading 401(k) plan (with a dollar-for-dollar match on the first 6% you defer, plus an AgCarolina discretionary contribution) Paid Time Off, plus 13 paid holidays annually Training and professional development opportunities, and defined career pathways for many roles Meaningful work that allows one to make a difference in agricultural and rural communities and to develop professionally Opportunities for work-life balance that includes employee appreciation and family events A great work environment with colleagues who have a shared commitment to our core values Opportunities for everyone to think and act like a leader, regardless of the position you hold A comprehensive wellness plan: we recognize that our greatest asset is our people—and for our people to perform at their best, they must be healthy and well. 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 have at least 2 years of Farm Credit experience, a Fully Successful rating or higher on their most recent performance review and have been in their current role for at least 2 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.

Requirements

Education and/or experience equivalent to a Bachelor's degree in business, finance, accounting, or agricultural economics
1 to 3 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 base pay, and eligibility for incentive pay based on personal and Association performance
Comprehensive benefits (medical, dental, life, LTD, and others) effective the first day of the month following your date of hire
Maternity, Paternity, and Caregiving Leave, because we care about our employees and know they have responsibilities outside of work
A market-leading 401(k) plan (with a dollar-for-dollar match on the first 6% you defer, plus an AgCarolina discretionary contribution)
Paid Time Off, plus 13 paid holidays annually
Training and professional development opportunities, and defined career pathways for many roles
Meaningful work that allows one to make a difference in agricultural and rural communities and to develop professionally
Opportunities for work-life balance that includes employee appreciation and family events
A great work environment with colleagues who have a shared commitment to our core values
Opportunities for everyone to think and act like a leader, regardless of the position you hold
A comprehensive wellness plan: we recognize that our greatest asset is our people—and for our people to perform at their best, they must be healthy and well