Loan Officer

About Idaho AgCredit

As a farmer-owned co-op with more than 90 years serving agriculture, Idaho AgCredit is committed to supporting the success of farmers, ranchers, and rural communities in Idaho and Wyoming. The Association provides financing and financial services to agricultural producers and rural property owners, helping them achieve their operational and long-term goals. With deep expertise in the region's diverse agricultural industries—including potatoes, sugar beets, dairy, cattle, hay, grain, and other crops—Idaho AgCredit delivers local lending solutions backed by knowledgeable professionals. The Association's collaborative culture and strong team values create an environment where employees contribute to its mission of helping members succeed and rural communities thrive.

About The Job

The Loan Officer develops and manages a commercial and agricultural real estate loan portfolio for the branch office. This role is responsible for building new business, strengthening member relationships, and delivering exceptional service throughout the lending process. The Loan Officer manages the complete loan lifecycle—from origination and underwriting through closing and servicing—while exercising sound credit judgment and ensuring compliance with Association policies. The position also monitors portfolio quality through effective credit administration and serves as a trusted financial partner by helping members identify financing solutions that support their agricultural operations and long-term success.

What You’ll Do

• Develop new agricultural, commercial, and rural real estate lending relationships while growing and managing an existing loan portfolio throughout territory.
• Build strong relationships with farmers, ranchers, rural landowners, and qualified ag businesses to identify lending opportunities and provide exceptional member service.
• Analyze financial statements, tax returns, balance sheets, and cash flow to evaluate borrower creditworthiness and repayment capacity.
• Structure, originate, approve within delegated lending authority or recommend for approval, close, and service agricultural and rural real estate loans in accordance with Association policies and sound lending practices.
• Manage a high-quality loan portfolio by monitoring credit quality, identifying potential risks, and ensuring compliance with credit administration standards.
• Prepare credit analyses and loan recommendations that support sound lending decisions.
• Assist borrowers with ongoing loan servicing needs, including renewals, extensions, additional advances, and other servicing actions.
• Support collection efforts and work collaboratively with borrowers to maintain satisfactory loan performance.
• Coordinate loan closings and ensure documentation is accurate, complete, and compliant with Association requirements.
• Represent Idaho AgCredit through active participation in agricultural organizations, industry events, and local community activities.
• Stay current on agricultural markets, industry trends, and lending regulations to provide informed financial solutions to members.
• Ensure compliance with Association technology, information security, and regulatory requirements.
• Perform other duties and special projects as assigned.

Where You’ll Work

This position is based in our Jerome, Idaho office and requires regular travel throughout the Association's service area to meet with members and support business development activities.

What You'll Bring

• Bachelor's degree in business, finance, agricultural economics, or a related field.
• Minimum three years of experience in commercial, agricultural, or real estate lending, banking, or a related financial services field.
• Knowledge of agricultural production, rural lending, and the financial needs of farmers, ranchers, and agribusinesses.
• Strong understanding of accounting principles, financial statement analysis, and credit underwriting.
• Experience evaluating commercial, agricultural, or real estate loan requests and making sound credit recommendations.
• Working knowledge of lending regulations, collateral evaluation, and credit administration practices.
• Strong relationship-building and customer service skills with the ability to develop new business opportunities.
• Excellent communication, analytical, organizational, and problem-solving skills.
•  Proficiency with Microsoft Office applications and the ability to learn software systems.
• Ability to manage multiple priorities, work independently, and exercise sound judgment.
• Commitment to professionalism, confidentiality, and delivering exceptional service to members.
• Valid driver's license with an acceptable driving record and the ability to travel throughout Idaho as needed.

This is an excellent opportunity for a relationship-focused lender who enjoys working directly with farmers, ranchers, and rural businesses while making a meaningful impact in the communities they serve.

Here’s what you can expect

• Competitive pay depending on qualifications and experience
• Premium benefits package including medical, dental, vision, and prescription coverage
• 401(k) fixed AND company match contributions
• Paid holidays, paid vacation, sick leave, and parental leave
• Eligible to participate in annual incentive programs (incentive programs subject to Board approval)
• Company paid life insurance, AD&D, and long-term disability
• A wellness program to support your overall wellbeing
• Opportunities to build strong customer and community relationships
• And so much more!

Legal Language

Idaho AgCredit is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

• Must be authorized to work for any employer in the United States. Idaho AgCredit is unable to sponsor or take over sponsorship of an employment visa at this time.