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Loan Officer

AgCarolina Farm Credit

Louisburg, North Carolina

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JOB DETAILS
SKILLS
Accounting, Agriculture, Analysis Skills, Computer Skills, Consumer Goods and Services, Credit Analysis, Customer Relations, Customer Support/Service, Detail Oriented, Economics, Fair Lending, Finance, Financial Services, Interpersonal Skills, Loan Origination, Loan Policy, Loan Portfolio, Loan Servicing, Loans, Marketing, Mentoring, Microsoft Office, Microsoft Outlook, Negotiation Skills, Presentation/Verbal Skills, Problem Solving Skills, Real Estate Sales, Risk Analysis, Sales, Service Delivery, Team Player, Time Management, Willing to Travel, Writing Skills
LOCATION
Louisburg, North Carolina
POSTED
2 days ago
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

About the Company

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AgCarolina Farm Credit