Demo

Loan Officer

AgCarolina Farm Credit
Kenansville, NC Full Time
POSTED ON 1/14/2025
AVAILABLE BEFORE 3/21/2025

JOB DESCRIPTION

Loan Officer - Kenansville, NC

The right person for the job will be engaged in training and mentorship to understand and be able to independently originate and service loans, market financial services, and develop strong relationships with borrowers. As a relationship lender, you will serve present and prospective members with sound, productive agricultural credit according to Association policy, standards and procedures. You should be able to clearly communicate credit decisions to loan applicants in a prompt and considerate manner. You should enjoy the challenge of managing a loan portfolio in a work culture that welcomes and respects relationships, analytical skills, attention to detail, timely decision making, and candid conversations.

If you :

  • have strong interest or knowledge in agriculture lending, building relationships, and networking throughout the local community
  • have an entrepreneurial spirit that involves innovation, creativity, vision, and productivity as it relates to loans
  • understand agriculture and rural communities
  • are looking for the excitement of being part of the solution to agricultural financing, which benefits both our state and our nation
  • want more excitement, challenges, and rewards for your efforts
  • want to be part of a dynamic team and company, with a great work culture

then you might be the person we are looking for!

The Loan Officer will contribute to all business objectives including "Serve our Members and Local Communities". This position would report to the Branch Manager.

How you will impact AgCarolina Farm Credit :

  • Actively participate and seek lending relationships with existing customers and new customers
  • Market and sells all Association financially related services, including leasing, cross-selling Farm Credit Express, crop and life insurance and preferred stock
  • Coordinates applications for branch-referred new and existing customers
  • Interviews applicants, gathers, analyzes and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis
  • Use delegated authority to approve loan structures, pricing, and conditions on loan transactions
  • Evaluate risk of loan transactions and assign probability of default and loss given default, ensure credit quality
  • Ensures loans are in compliance with Association's 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 a positive working relationship with others to enhance the Association's reputation in the market
  • What you need to succeed :

  • Education and / or experience equivalent to Bachelor's degree in business, finance, accounting or agricultural economics
  • 1 to 3 years of related agriculture lending experience and / or proven performance
  • Strong analysis, judgement, and communication (oral and written) skills
  • Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the Association and the borrower
  • Strong interpersonal, sales, and negotiating skills
  • Ability to handle high stress situations in a business and professional manner
  • Computer experience with intermediate skills in Microsoft Office and Outlook
  • Ability to travel within AgCarolina Farm Credit's territory and outside the territory for training from time to time
  • Quick learner, strong problem solver, and adaptable
  • Work independently under general supervision
  • Foster and promote a team atmosphere
  • General knowledge of computers and Microsoft Office
  • Agricultural background preferred
  • Lending experience preferred
  • What we offer :

  • Competitive pay, including eligibility for incentive pay
  • Comprehensive benefits (medical, dental, life, LTD, and others)
  • Company-matched 401(k) (100% match of the first 6% you defer)
  • Commitment to training and professional development
  • Meaningful work that allows one to make a difference in agricultural and rural communities.
  • Opportunities for work-life balance
  • A great work environment with colleagues who have a shared commitment to our core values
  • Interview Process :

    Applications received within the first 2 weeks of posting date will receive priority consideration. The position will remain open, however, until the vacancy is filled.

  • Phone Screen with AgCarolina HR Representative
  • In-person interview
  • ABOUT US

    Who is AgCarolina?

    Headquartered in Greenville, North Carolina, AgCarolina Farm Credit offers career opportunities throughout Eastern North Carolina. We service the financing needs of farmers and rural residents. . Federally chartered and a part of the national Farm Credit System, we are locally owned by our members. As we work together, we can help you achieve your goals and dreams, while strengthening our communities.

    AgCarolina Farm Credit is the largest ag lending cooperative operating in North Carolina with a local presence throughout the territory. The Association has over $3 billion in gross loan volume, serving more than 6,000 members.

    Our purpose at AgCarolina Farm Credit (ACA) is to serve the agricultural industry and our rural communities, yielding a more prosperous future for all. We are committed to providing constructive credit and financial services to grow the success of our members, one local relationship at a time.

    We believe that having a diverse and inclusive team of employees is the best way to serve our agricultural and agribusiness customers. We seek to involve all employees, management team members, and our board of directors in fostering an environment that encourages and promotes the positive contributions of individuals from all backgrounds. By embracing and leveraging our unique strengths and treating people fairly we establish ourselves as a positive corporate citizen and an employer of choice.

    We are committed to attracting and developing an outstanding team of employees and supporting each one to achieve his or her full potential. Our success at AgCarolina GROWS by :

  • G rowing our people and association
  • R elationships built on respect, trust, and integrity
  • O wning responsibility for our attitudes, actions, and job performance
  • W elcoming everyone and treating them fairly
  • S erving one another, members, and local communities
  • If your compensation planning software is too rigid to deploy winning incentive strategies, it’s time to find an adaptable solution. Compensation Planning
    Enhance your organization's compensation strategy with salary data sets that HR and team managers can use to pay your staff right. Surveys & Data Sets

    What is the career path for a Loan Officer?

    Sign up to receive alerts about other jobs on the Loan Officer career path by checking the boxes next to the positions that interest you.
    Income Estimation: 
    $67,231 - $94,401
    Income Estimation: 
    $95,602 - $134,989
    Income Estimation: 
    $98,329 - $168,981
    Income Estimation: 
    $67,756 - $90,182
    Income Estimation: 
    $130,602 - $246,200
    Income Estimation: 
    $74,315 - $123,900
    Income Estimation: 
    $113,194 - $154,044
    Income Estimation: 
    $88,676 - $113,130
    Income Estimation: 
    $88,676 - $113,130
    Income Estimation: 
    $130,602 - $246,200
    Income Estimation: 
    $113,194 - $154,044
    Income Estimation: 
    $190,271 - $306,246
    Income Estimation: 
    $106,001 - $188,733
    Income Estimation: 
    $106,001 - $188,733
    Income Estimation: 
    $130,602 - $246,200
    Income Estimation: 
    $190,271 - $306,246
    Income Estimation: 
    $47,416 - $60,758
    Income Estimation: 
    $97,248 - $145,710
    Income Estimation: 
    $89,395 - $152,637
    Income Estimation: 
    $74,315 - $123,900
    Income Estimation: 
    $57,010 - $70,130
    View Core, Job Family, and Industry Job Skills and Competency Data for more than 15,000 Job Titles Skills Library

    Job openings at AgCarolina Farm Credit

    AgCarolina Farm Credit
    Hired Organization Address Greenville, NC Full Time
    Credit Analyst – office choice of Fayetteville, Greenville, Raleigh, or Elizabeth City The right person for the job will...
    AgCarolina Farm Credit
    Hired Organization Address Greenville, NC Full Time
    Roving Servicing Specialist – Clinton, La Grange, Harnett County, or Greenville The ideal candidate will actively collab...

    Not the job you're looking for? Here are some other Loan Officer jobs in the Kenansville, NC area that may be a better fit.

    Loan Officer

    Paramount Residential Mortgage Group, Fayetteville, NC

    Loan Officer Assistant I

    Southern Bank and Trust, Mount Olive, NC

    AI Assistant is available now!

    Feel free to start your new journey!