Rural 1st Underwriter

Farm Credit Mid-America; Louisville (KY); Hybrid; USD 60,000 - 126,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Well-being and fitness reimbursement

Paid vacation, sick leave and holidays

401(k) plan with company contributions

Paid parental leave

Disability coverage (short-term & long

Tuition reimbursement and professional

Community involvement and volunteer

Variable compensation opportunities

Job summary

Farm Credit Mid-America in Louisville, KY is seeking a Rural 1st Underwriter to analyze consumer loans, provide guidance on loan servicing actions, and support credit services in accordance with association standards.

The role contributes independently to routine work, applying established procedures and collaborating with others to drive business outcomes while expanding knowledge and judgment within defined parameters.

Qualifications

• High School Diploma or GED with 5 years relevant experience.
• Bachelor’s Degree with 1 year relevant experience preferred.

Responsibilities

• Analyzes and decisions consumer loans, provides guidance on loan servicing actions, and supports other credit services.
• Works independently on routine and recurring work with growing confidence and consistency.
• Collaborates with sales and internal/external stakeholders to understand customer objectives and credit risks, structuring sound credit solutions.

Education

High School Diploma/GED with 5 years relevant experience

Bachelor's Degree with 1 year relevant experience

Job description

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

Schedule:

Full Time, Hybrid

Travel Required:

0% - 25%

Compensation:

The salary range for this position is estimated to be $60,265.00 – $125,909.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget. The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

• Medical, dental, and vision insurance
• Well-being and fitness reimbursement programs
• Paid vacation, sick leave, and holidays
• 401(k) plan with company contributions and matching opportunities
• Paid parental leave
• Short-term and long-term disability coverage
• Tuition reimbursement and professional development programs
• Community involvement and volunteer opportunities
• Variable compensation opportunities for eligible positions

About Our Opportunity

The Rural 1st Underwriter analyzes and decisions consumer loans, provides guidance on loan servicing actions, and supports other credit services in accordance with association standards and industry regulations.

This role contributes independently to routine and recurring work with growing confidence and consistency. It applies established procedures, manages assigned responsibilities effectively, and collaborates with others to support business outcomes. Team members at this level are expanding functional knowledge, strengthening judgment, and developing problem-solving skills within defined parameters.

How You Will Spend Your Time

• Partners with sales and internal and external stakeholders to understand customer objectives, financial position, and credit risks, structuring sound and innovative credit solutions that meet customer needs, comply with service level expectations, and maintain association credit quality standards.
• Analyzes new loan applications originated by sales teams and alliance partners, exercising delegated authority to deliver timely credit decisions and recommend appropriate terms and conditions to manage risk.
• Reviews and evaluates servicing related loan requests requiring credit decisions, balancing customer needs with prudent risk management.
• Maintains current knowledge of industry and consumer lending trends, Rural 1st market dynamics, and updates to the Association’s credit philosophy, policies, and standards to support consistent, high quality underwriting decisions.
• Leads and participates in cross training and job shadowing initiatives to broaden credit knowledge within the Consumer Credit teams and across partnering functions.
• Completes routine assignments independently using established procedures and sound judgment.
• Applies working knowledge to resolve common issues and identifies when to seek guidance.
• Communicates clearly with teammates and internal partners to support coordinated work.
• Organizes workload to meet deadlines and deliver consistent, reliable outcomes.
• Contributes ideas that strengthen processes, accuracy, and effectiveness.
• Uses available tools and resources to resolve straightforward issues and improve confidence.

Education & Experience

High School Diploma/GED with 5 years relevant experience required.

Bachelor's Degree with 1 year relevant experience preferred.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.