Loan Officer

AgSouth Farm Credit, ACA; Rock Hill (SC); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive pay

Paid vacation, holidays and sick leave

Medical, dental and vision insurance

401(k) matching

Education reimbursement

Wellness program

Employee discounts

Job summary

AgSouth Farm Credit, ACA is seeking a Loan Officer to serve current and prospective customers with agricultural credit under association policies. You will develop customer relationships, build business, and provide loan servicing within delegated lending authority.

You will drive business development, evaluate borrower needs, and coordinate credit data, underwriting and pricing to support sound lending in the Southeast region.

Qualifications

• Bachelor's degree or equivalent experience required.
• 1–3 years related loan officer/credit experience preferred.
• Able to communicate effectively with all organizational levels.
• Proactive, decisive, and focused on borrower and association interests.

Responsibilities

• Develop new business and community presence to generate loan opportunities.
• Monitor and service borrower portfolios to ensure timely, sound loan administration.
• Assist credit process including data collection, underwriting support, and pricing decisions.

Skills

Communication

Travel readiness

Independent work

Team player

Problem solving

Computer skills

Education

Bachelor's degree

Job description

JOB DESCRIPTION

We are seeking a Loan Officer to join our Farm Credit family! This position serves current and prospective customers with sound agricultural credit according to Association policies and procedures. The Loan Officer builds business development strategies, develops customer relationships, and provides loan servicing for their existing portfolio. They operate within delegated lending authority.

Responsibilities

• Sales, Business Development & Marketing: Develop new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expand existing relationships by proactively researching customer needs, uses discretion and independent judgment in understanding customer needs, and matching products and services to those needs.
• Loan Servicing: Monitor specific, individually assigned loans, and assures that the loans receive timely and sound servicing. Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems.
• Credit Administration: Interview applicants, gather and reconcile complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis. Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgSouth objectives.

Requirements

• Education and/or experience equivalent to a Bachelor's degree
• 1-3 years related work experience preferred
• Ability to communicate effectively with all levels of the organization
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
• Ability to travel within the assigned territory and occasional travel across the association
• Ability to work independently and as a team member under minimal supervision
• Excellent computer skills
• Focus on problem solving skills with solutions-driven results
• Current awareness of economic developments and production technology affecting agriculture in the region

Other Details

AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.

Why AgSouth?

When you work here, you have an opportunity to make a difference for agriculture and rural communities. Part of the national Farm Credit System, we are an agricultural lending cooperative that provides loans for land, production agriculture, farm equipment, crop insurance, leasing, and home mortgages. Our $4 billion portfolio of customers and strong presence in local communities across North Carolina, South Carolina, and Georgia allow us to effectively serve our member-borrowers as the largest agricultural lender in the southeast. At AgSouth, we value our employees and provide them room to grow both personally and professionally. If you're looking for more than just a job, consider joining the AgSouth family!

What can we offer you?

• Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering
• Corporate incentive plan with spot bonuses for top-notch work
• Medical, dental and vision insurance, as well as life and disability insurance
• Flexible spending and health savings accounts
• Generous 401(k) matching contributions, as well as additional employer contributions
• Reimbursement for approved higher education pursuits
• A wellness program for employees, which includes resources for a healthier lifestyle
• Corporate learning programs for professional development
• Other perks, such as employee discounts on select cell phone providers, computers, etc.

ABOUT US

We are an Equal Employment/Affirmative Action employer, including veterans and individuals with disabilities. We do not discriminate in hiring on the basis of age, race, color, national origin, sex, sexual orientation, gender identity, pregnancy (including childbirth or related medical condition), religion, disability, protected veteran status, or any other characteristic protected by federal, state or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at [e-mail] or by phone at [phone] and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.