Job Description
Loan Officer - Clinton
AgCarolina Farm Credit is seeking a Commercial Loan Officer at our location in Clinton, NC. In this role, the Loan Officer will work independently to originate and service loans, market financial services, and develop strong working relationships with our customers, while growing our business in their assigned territory. This role will report to the Branch Manager.
How you will impact AgCarolina Farm Credit:

• Actively participate and seek lending relationships with existing customers and new customers
• Coordinates applications for branch-referred new and existing customers
• Develop and analyze all types of credit information
• 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
• Strong interpersonal, sales, negotiating and problem solving skills
• Detail oriented and excellent communication (oral and written) skills
• Computer experience with intermediate skills in Microsoft Office and Outlook
• Travel within AgCarolina Farm Credit's territory and outside the territory for training from time to time
• 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

AgCarolina is an equal opportunity employer. As such, we provide equal employment opportunities without regard to race, color, religion, sex, pregnancy, childbirth or related conditions, national origin, age, disability, marital status, veteran status, sexual orientation, genetic information, or any other protected characteristic under applicable law. EEO/AA
About Us
Headquartered in Greenville, North Carolina, AgCarolina Farm Credit offers career opportunities throughout Eastern North Carolina. We service the needs of part-time and full-time farmers, as well as the mortgage credit needs of rural homeowners. 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 approximately $3.1 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 an inclusive team of employees is the best way to serve our agricultural and agribusiness customers. Consistent with our core value of welcoming diversity, equity, and inclusion, we seek to involve all employees, our management team, and our board in fostering an environment that encourages and acknowledges the positive contributions individuals from all backgrounds can make in the success of our organization. By embracing and leveraging our unique strengths 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 diversity, equity, and inclusion
• S erving one another, members, and local communities