Rural 1st Loan Officer/Senior Rural 1st Loan Officer - Somerset

Farm Credit Mid-America•Somerset, KY

1d•$60,265 - $158,624•Hybrid

About The Position

Farm Credit Mid-America is a financial services cooperative serving the financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences. Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 14 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do. The Rural 1st Loan Officer (RLO) drives revenue growth by originating high quality consumer loans and building long term customer relationships within an assigned territory. Leveraging deep market knowledge and a consultative sales approach, the RLO identifies opportunities, delivers sound credit solutions, and partners with internal teams to support customers throughout the loan lifecycle. This role contributes independently to routine and recurring work with growing confidence and consistency. It applies established procedures, manages assigned responsibilities effectively, and collaborates with others to support business outcomes. Team members at this level are expanding functional knowledge, strengthening judgment, and developing problem-solving skills within defined parameters. The Senior RLO is designed for experienced team members who exceed role expectations and bring broad, diverse expertise to the team. Individuals in this role consistently deliver high-quality performance while providing guidance, leadership, and support to peers. Individuals in this role train team members while serving as a subject-matter expert for internal partners and departments across the Association. Proactively identifies solutions, leads by positive example, and supports organizational change through influence and collaboration.

Requirements

High School Diploma/GED with 5 years relevant experience.
Bachelor's degree with 1 year relevant experience preferred.
Sales and/or lending experience strongly preferred.

Responsibilities

Generates new business and grows market presence through prospecting, networking, referrals, and community involvement while strengthening the Rural 1st brand.
Establishes trusted customer relationships by understanding financial goals and capacity, positioning lending solutions that align with customer needs and business objectives.
Originates sound credit by gathering and evaluating financial information, recommending appropriate loan structures, terms, and collateral positions, and balancing customer needs with risk standards.
Owns the customer relationship through the loan process, guiding customers from application through underwriting, closing, construction, and servicing while coordinating internal partners.
Builds and owns a robust sales pipeline, collaborating with internal partners on day-to-day management, progress tracking, and clear communication of timelines, expectations, and credit decisions.
Supports portfolio performance and customer retention by collaborating with servicing, construction, customer care, and resolutions teams to address ongoing needs and identify cross sell opportunities.
Completes routine assignments independently using established procedures and sound judgment.
Applies working knowledge to resolve common issues and identifies when to seek guidance.
Communicates clearly with teammates and internal partners to support coordinated work.
Organizes workload to meet deadlines and deliver consistent, reliable outcomes.
Contributes ideas that strengthen processes, accuracy, and effectiveness.
Uses available tools and resources to resolve straightforward issues and improve confidence.
Applies advanced expertise to independently manage complex, high-impact work.
Balances risk, quality, and business priorities using advanced judgment and foresight.
Leads or significantly contributes to initiatives that enhance processes, systems, or outcomes.
Consults with partners across functions to provide insight, recommendations, and solutions.
Mentors others to build technical and professional capability across the team.
Influences outcomes beyond the immediate role through collaboration and trusted expertise.