Loan Officer

Loan Officer – Elizabethtown, 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 Ag Carolina 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 Elizabethtown branch, you will serve both consumer and commercial borrowers primarily in Bladen, Robeson, Cumberland, and parts of Columbus 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.

• Actively participate and seek lending relationships with existing and new customers
• Market and sell Association financial services including leasing, crop and life insurance, Farm Credit Express, 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

At Ag Carolina, 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

• Education and/or experience equivalent to a Bachelor's degree in business, finance, accounting, or agricultural economics
• 7 to 10 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 Ag Carolina’s territory for training
• Quick learner, adaptable, and strong problem solver
• Agricultural background preferred
• Lending experience preferred

If you're looking for:

• 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 you to make a difference in agricultural and rural communities
• Opportunities for work-life balance
• A great work environment with colleagues who share a commitment to our core values

Internal candidates must be in their current role for at least 1 year before applying.

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.

Equal Opportunity Employer/including Disabled/Veterans. Ag Carolina is unable to sponsor employment visas at this time.