Loan Officer

JOB DESCRIPTION

Loan Officer - Louisburg, 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 Louisburg branch, you will serve both consumer and commercial borrowers primarily in Franklin, Vance, Granville, and Warren 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 loans, leasing 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
• Provide On-Farm Service for existing members
• Prospect and Market Centers of Influence, Realtors and Farmer/Ranches in our markets

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