Senior Ag Credit Manager: Lead & Develop Analysts

First Bank and Trust Company; Lillington (NC); On-site; USD 120,000 - 150,000; Full time

Benefits offered by this job

PTO 25 days per year

11 paid holidays

Medical, Dental and Vision Insurance

401K/ESOP Plan

Basic life insurance (2x base salary)

Long-term disability insurance

Job summary

The First Bank and Trust Company in North Carolina is seeking an Agricultural Credit Manager to lead the Agricultural Credit Analyst team, oversee underwriting workflow, and drive agricultural credit standards and portfolio quality. This senior role partners with the Ag Division Manager and Ag Credit Officers to ensure sound lender-analyst pairings and timely credit delivery.

Ideal candidates bring 10+ years in agricultural lending, strong leadership, and deep credit expertise.

Qualifications

• Bachelor’s degree in finance, business administration, agriculture or related field.
• Minimum of 10 years of experience in agricultural lending, agricultural credit analysis, or related banking experience.
• Demonstrated experience in agricultural underwriting, portfolio management, and team leadership preferred.
• PTO Leave is 25 Days for officers per year earned monthly.
• The First Bank and Trust Company recognizes 11 paid holidays, when the holidays occur during the work week.
• Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.
• Employees are automatically enrolled in the bank's 401K/ESOP Plan.
• The First Bank and Trust Company provides basic life insurance coverage equal to two times an employees' base salary.

Responsibilities

• Lead agricultural credit analysis for complex loan relationships and guide lenders and analysts in structuring and underwriting.
• Promote underwriting consistency by ensuring high‑quality, uniform loan presentations across the division.
• Assess agricultural risks including price volatility, weather exposure and input cost variability.
• Support credit enhancements with documentation of guarantees and insurance assignments.
• Collaborate with credit leadership to ensure safe, sound agricultural portfolio growth.
• Lead and mentor analysts, manage workflow, and provide coaching and performance evaluations.
• Develop team capabilities through recruiting, onboarding, and ongoing development of analysts.
• Build commodity expertise and training for trainees, lenders, and junior analysts.
• Coordinate analyst assignments and pipeline management to ensure efficient underwriting flow.
• Identify and explore community business development opportunities.
• Represent the bank in the community to promote First Bank and Trust products and services.

Skills

Leadership

Credit analysis

Team mentoring

Organizational skills

Communication skills

Education

Bachelor's degree in Finance

Bachelor's degree in Business Administration

Bachelor's degree in Agriculture

Bachelor's degree in Agricultural Economics

Job description

The First Bank and Trust Company in North Carolina is seeking an Agricultural Credit Manager to lead the Agricultural Credit Analyst team, oversee underwriting workflow, and drive agricultural credit standards and portfolio quality. This senior role partners with the Ag Division Manager and Ag Credit Officers to ensure sound lender-analyst pairings and timely credit delivery.

Ideal candidates bring 10+ years in agricultural lending, strong leadership, and deep credit expertise.