Agriculture Loan Officer

HR-Consulting-Solutions-LLC; Clinton (KY); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Competitive salary

Incentive bonus

Generous PTO

12 paid holidays

Health, dental, and vision insurance

401(k) retirement plan

Life and disability insurance

Job summary

River Valley AgCredit is seeking an Agricultural Loan Officer to serve as a trusted financial partner for farmers in Clinton, KY. The role emphasizes field engagement, building lasting relationships, and providing responsible financing to start, grow, or sustain farm operations.

You will evaluate borrower qualifications, prepare loan proposals for operating loans, real estate, equipment, and agribusiness financing, and maintain strong local knowledge of crops, practices, and community needs.

Qualifications

• Bachelor’s degree in Business Administration, Agricultural Economics, Agriculture, Finance, or a related field.
• Demonstrated knowledge of farm management, agricultural finance, and ag industry trends.
• Hands-on experience with agricultural operations, farm management, agribusiness, or rural producers.
• Previous experience in agricultural, commercial, or rural lending preferred; strong agricultural industry experience required.

Responsibilities

• Proactively develop and expand relationships with farm families, ag producers, and rural landowners through farm visits, networking, and community engagement.
• Prepare, structure, and present loan proposals for farm operating loans, real estate, equipment, and agribusiness financing.
• Evaluate borrower eligibility, repayment ability, collateral, and other risk factors in accordance with Farm Credit System and Association policies.
• Administer loans responsibly, ensuring proper documentation, accuracy, and compliance with regulations.
• Conduct regular farm visits to assess collateral, monitor operations, and strengthen member relationships.
• Maintain thorough knowledge of River Valley AgCredit’s products, services, and the agricultural industries served.
• Participate in ongoing professional development to enhance lending expertise, regulatory knowledge, and agricultural industry understanding.
• Ensure all lending activities comply with Farm Credit System standards, Association policies, and applicable federal and state regulations.
• Actively pursue new lending opportunities and contribute to portfolio growth through strategic prospecting and referral development.

Skills

Farm management knowledge

Agricultural finance

Ag industry trends

Rural lending experience

Education

Bachelor’s degree in Business Administration, Agricultural Economics, Agriculture, Finance, or a related field

Tools

Loan origination systems

Microsoft Office

Job description

HR Consulting Solutions is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for an Agricultural Loan Officer to join their agricultural lending team in Clinton, KY.

AG LOAN OFFICER POSITION SUMMARY

At River Valley AgCredit, we have an exciting opportunity for an Agricultural Loan Officer to serve as a trusted financial partner for farmers and agricultural producers in Clinton, KY. In this position, you will be the “go-to” resource for local producers seeking financing to start, grow, or sustain their farm operations. Whether helping a multi‑generation family farm expand or assisting a beginning farmer secure capital for their first operation, you’ll play a vital role in supporting the agricultural community and strengthening the local economy.

This position is ideal for someone who enjoys being out in the field, building long‑term relationships, understanding the ag industry, and helping producers achieve success through responsible financial solutions. This role focuses exclusively on agricultural and agribusiness lending, serving producers in and around Hickman County, KY. Candidates must reside in or be willing to relocate to the local market area and actively participate in community and agricultural events.

PRIMARY WORK LOCATION

• Clinton, KY

MINIMUM QUALIFICATIONS

• Bachelor’s degree in Business Administration, Agricultural Economics, Agriculture, Finance, or a related field.
• Demonstrated knowledge of farm management, agricultural finance, and ag industry trends.
• Hands‑on experience working with agricultural operations, farm management, agribusiness, or rural producers.
• Previous experience in agricultural, commercial, or rural lending preferred; strong agricultural industry experience required.

PREFERRED QUALIFICATIONS

• Knowledge of laws, regulations, principles, and credit practices within the Farm Credit System or similar financial institutions.
• Proficiency in loan origination systems and Microsoft Office Suite.
• Strong analytical, organizational, and communication skills.
• Skilled in developing new business, conducting sales calls, and presenting loan proposals.
• Ability to build strong relationships with ag producers, farm families, and agribusiness owners.
• Familiarity with local agricultural practices, commodities, and producer needs within Hickman County and surrounding Western Kentucky region preferred

SENSORY AND PHYSICAL REQUIREMENTS

• Must have the ability to read documents from many sources.
• Must be able to communicate effectively with staff, customers, and the general public.
• Must be comfortable conducting on‑site farm visits and community outreach.

MINIMUM POSITION RESPONSIBILITIES

• Proactively develop and expand relationships with farm families, ag producers, and rural landowners through farm visits, networking, and community engagement.
• Prepare, structure, and present loan proposals for farm operating loans, real estate, equipment, and agribusiness financing.
• Evaluate borrower eligibility, repayment ability, collateral, and other risk factors in accordance with Farm Credit System and Association policies.
• Administer loans responsibly, ensuring proper documentation, accuracy, and compliance with regulations.
• Conduct regular farm visits to assess collateral, monitor operations, and strengthen member relationships.
• Maintain thorough knowledge of River Valley AgCredit’s products, services, and the agricultural industries served.
• Take appropriate corrective actions when necessary to mitigate risk and protect the Association’s position.
• Represent River Valley AgCredit positively within the community and promote the cooperative’s mission and values.
• Participate in ongoing professional development to enhance lending expertise, regulatory knowledge, and agricultural industry understanding.
• Ensure all lending activities comply with Farm Credit System standards, Association policies, and applicable federal and state regulations.
• Actively pursue new lending opportunities and contribute to portfolio growth through strategic prospecting and referral development.

BENEFITS OF WORKING WITH US

• Competitive Salary
• Performance‑Based Bonus (Incentive Pay)
• Generous PTO (Vacation and Sick Time)
• 12 Paid Holidays
• Medical, Dental, and Vision Insurance
• 401(k) Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total)
• Company Provided Life Insurance and Disability Coverage

QUESTIONS?

• Reach out to us via email: [e-mail]
• Check out our website: www.hrconsulting.llc
• Follow us on Facebook & LinkedIN for other job opportunities!

We are an Equal Opportunity Employer and prohibit discrimination and harassment of any kind. Our company is committed to the principle of equal employment opportunity for all employees and applicants, providing everyone with a work environment free of discrimination and harassment. All employment decisions within our organization are based on business needs, job requirements and individual qualifications, without regard to age, race, color, religion, sex, gender, gender identity, sexual orientation, national origin, disability, veteran status, or any other status protected by the laws or regulations in the locations where we operate. We will not tolerate discrimination or harassment based on any of these characteristics.