Loan Officer

Farm Credit Services of America•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.

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.