Loan Officer

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.

1. Phone Screen with AgCarolina HR Representative
2. 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:

•Growing our people and association

•Relationships built on respect, trust, and integrity

•Owning responsibility for our attitudes, actions, and job performance

•Welcoming everyone and treating them fairly

•Serving one another, members, and local communities

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