Loan Officer

The Farm Credit System; Burgaw (NC); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Competitive base pay

Comprehensive benefits

401(k) plan

Paid time off

Job summary

AgCarolina Farm Credit is seeking a Loan Officer in Burgaw, NC to originate and service loans, market financial services, and build strong borrower relationships in Pender and New Hanover counties.

You will manage a loan portfolio, work independently, and contribute to the growth of the Association in a culture that values mentorship and timely decisions.

Qualifications

• Bachelor’s degree in business, finance, accounting, or agricultural economics.
• 2–5 years of related lending experience; agricultural lending preferred.
• Strong analytical, judgment, and communication skills; ability to make sound decisions.

Responsibilities

• Actively participate and seek lending relationships with existing and new customers.
• Market and sell Association financial services including loans, leasing and preferred stock.
• Coordinate applications for branch-referred new and existing customers.
• Interview applicants and analyze credit and financial data using five credit factors.

Skills

Analytical skills

Judgment

Communication skills

Interpersonal skills

Sales & negotiating

Travel ability

MS Office/Outlook

Education

Bachelor’s degree in business, finance, accounting, or agricultural economics

Tools

Microsoft Office / Outlook

Job description

Loan Officer - Burgaw, 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 AgCarolina 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 Burgaw branch, you will serve both consumer and commercial borrowers primarily in Pender and New Hanover 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.

What You’ll Do

• - Actively participate and seek lending relationships with existing and new customers
• - Market and sell Association financial services including loans, leasing 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
• - Provide On-Farm Service for existing members
• - Prospect and Market Centers of Influence, Realtors and Farmer/Ranches in our markets

What We Value

• - 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

What We’re Looking For

• Education and/or experience equivalent to a Bachelor’s degree in business, finance, accounting, or agricultural economics
• 2 to 5 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 AgCarolina's territory for training
• Quick learner, adaptable, and strong problem solver
• Agricultural background preferred

Our Commitment

- Lending experience preferred
Joining AgCarolina Means Being a Part Of a Community Rooted In Serving Agriculture And Rural Communities, Yielding a Prosperous Future For Our Members And Employees. In Exchange For Your Time, Talent, And Commitment, We Are Committed To Offering Our Employees

• - Competitive base pay, and eligibility for incentive pay based on personal and Association performance
• - Comprehensive benefits (medical, dental, life, LTD, and others) effective the first day of the month following your date of hire
• - Maternity, Paternity, and Caregiving Leave, because we care about our employees and know they have responsibilities outside of work
• - A market-leading 401(k) plan (with a dollar-for-dollar match on the first 6% you defer, plus an AgCarolina discretionary contribution)
• - Paid Time Off, plus 13 paid holidays annually
• - Training and professional development opportunities, and defined caree r pathways for many roles
• - Meaningful work that allows one to make a difference in agricultural and rural communities and to develop professionally
• - Opportunities for work-life balance that includes employee appreciation and family events
• - A great work environment with colleagues who have a shared commitment to our core values
• - Opportunities for everyone to think and act like a leader, regardless of the position you hold
• - A comprehensive wellness plan: we recognize that our greatest asset is our people—and for our people to perform at their best, they must be healthy and well.

AgCarolina Individual Competencies

• Communicates Effectively
• Action-Oriented
• Makes Good Decisions
• Collaborates
• Focuses on Our Members
• Welcomes Everyone and Treats Them Fairly
• Leadership

Internal candidates must have at least 2 years of Farm Credit experience, a Fully Successful rating or higher on their most recent performance review and have been in their current role for at least 2 years before applying.

Interview Process

• Phone Screen with AgCarolina HR Representative
• In-person interview

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. AgCarolina is unable to sponsor employment visas at this time.