Mortgage Loan Officer

JOB DESCRIPTION

Mortgage Loan Officer - Raleigh, Rocky Mount, Louisburg, Smithfield, Greenville, New Bern, Halifax, Ahoskie, Williamston, Elizabeth City

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 Mortgage Loan Officer at AgCarolina Farm Credit, you'll play a key role in the origination of home loans to existing and new customers. 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:

• Market Farm Credit mortgage lending to real estate professionals
• Underwrite mortgage loans and make a credit decision
• Originates mortgage and consumer loans
• Determines the best loan product for the customer
• Utilizes Association broker network to choose the best loan option
• Promote an effective sales call plan to prospective customers and influencers that will build association business and expand market penetration
• Build and maintain strong customer relationships

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:

• Bachelors degree in Business, Finance or Agriculture Economics
• At least 2 years of lending experience; mortgage lending preferred
• Registered with or eligible for registration under the Nationwide Mortgage Licensing System and Registry
• Possesses current awareness of the secondary market industry, as well as, economic and housing developments in the territory
• Understands Fair Credit Reporting Act and Mortgage Lending Rules
• Strong knowledge of mortgage lending software
• Strong analytical, judgment, and communication (oral and written) skills
• Ability to be assertive and decisive in making sound business decisions
• Demonstrates accuracy and attention to detail in gathering, reviewing, and submitting loan applications and supporting documentation
• Intermediate computer skills in Microsoft Office and Outlook
• Ability to travel within and outside AgCarolina's territory
• Quick learner, adaptable, and strong problem solver
• Ability to work independently under minimal supervision
• Maintains relationships with centers of influence, builders, realtors, other bankers and branch offices

Our Commitment:
When you join AgCarolina, you become part of The AgCarolina Way-a team rooted in service and purpose. Everything we do is driven by our mission to yield 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 Comp