Senior Agricultural Credit Manager

FirstBank; Clinton (NC); Hybrid; USD 100.000 - 140.000; Vollzeit

Benefits dieser Stelle

PTO 25 days/year

11 paid holidays

Health, Dental and Vision Insurance

401K/ESOP

Life insurance (two times base salary)

Long-term disability insurance

Equal Opportunity Employer

Zusammenfassung

The First Bank and Trust Company in Clinton, NC seeks an Agricultural Credit Manager to lead the Agricultural Credit Analyst team, oversee underwriting workflow, and drive agricultural credit expertise across the division. The role partners with Ag Division Manager and Ag Credit Officers to deliver timely credit, quality portfolios, and connected lender-analyst collaboration.

Ideal candidates bring strong agricultural lending experience, leadership ability, and a track record of developing

Qualifikationen

• Bachelor’s degree in finance, Business Administration, Agriculture, Agricultural Economics, 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.
• 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.

Aufgaben

• Lead agricultural credit analysis by serving as the primary analyst for complex ag loan relationships and guiding lenders and analysts in structuring, underwriting, and evaluating sophisticated credit requests.
• Promote underwriting consistency by supporting sound credit practices and ensuring high‑quality, uniform loan presentations across the division.
• Assess agricultural risks by identifying and evaluating commodity price volatility, weather exposure, disease risk, counterparty risk, and input cost variability.
• Support credit enhancements by evaluating and documenting tools such as FSA/SBA guarantees, crop insurance assignments, LRP, DRP, and other mitigation strategies.
• Collaborate with credit leadership to ensure safe, sound, and strategically aligned agricultural portfolio growth.
• Lead and mentor analysts by supervising Agricultural Credit Analysts, managing workflow and priorities, and providing coaching, training, and performance evaluations.
• Develop team capabilities by supporting recruiting, onboarding, and ongoing development of analysts and related personnel.
• Build commodity expertise by encouraging analysts to deepen commodity‑specific knowledge and supporting training for trainees, lenders, and junior analysts.
• Manage underwriting pipeline by coordinating analyst assignments, balancing workloads, and ensuring efficient underwriting flow.
• Identify and explore business development opportunities within the community.
• Represent the bank in the community to develop business and promote The First Bank and Trust products and services.

Kenntnisse

Agricultural lending

Credit analysis

Team leadership

Underwriting workflow

Portfolio management

Ausbildung

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

Jobbeschreibung

The First Bank and Trust Company in Clinton, NC seeks an Agricultural Credit Manager to lead the Agricultural Credit Analyst team, oversee underwriting workflow, and drive agricultural credit expertise across the division. The role partners with Ag Division Manager and Ag Credit Officers to deliver timely credit, quality portfolios, and connected lender-analyst collaboration.

Ideal candidates bring strong agricultural lending experience, leadership ability, and a track record of developing