Loan Officer

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

At AgCarolina, we believe in

• 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
• Lending experience preferred

Our Commitment

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 career 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

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.

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

Equal Opportunity Employer/including Disabled/Veterans. AgCarolina is unable to sponsor employment visas at this time.