Job description

The primary function of this position involves providing loans which can primarily be processed and approved through scorecard lending to expedite service to customers. Key components of this function include business development, establishment of appropriate loan pricing / fees, and execution of satisfactory credit administration.

The responsibilities of the Loan Officer center on building strong relationships with business contacts and customers. This will be accomplished by creating relationships and networking with customers, prospects, business contacts and influencers. The Loan Officer will use his/her knowledge of finance and agriculture to provide "value added" financial services to customers and prospective customers based upon the customer's need for these products and services. The Loan Officer will be typically spending around 95% of time in the furtherance of his/her own sales, with typically 25% or more of time spent away from the office performing these activities.

The Loan Officer will work in a local branch and be responsible for an assigned portfolio, servicing the needs of current and prospective customers. This position has no direct reports, however, in keeping at the forefront of our "hedgehog" of customer service, will work very closely with the Branch Team and employees in other market segments to effectively meet all customer needs. The Loan Officer will also ensure the branch office is maintained to present a professional public image. This employee must learn and live Carolina's Core Values, Key Business Principles, and Core Competencies to create a culture of greatness within CFC.

Required Qualifications

Essential:

• Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture Economics, Finance or related field
• 1-3 years’ experience preferred
• Demonstrated computer proficiency and familiarity with financial databases and spreadsheet applications
• Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit
• Self-starter; problem-solving & time management skills; knowledge of agriculture
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of CFC and the borrower
• Current awareness of economic developments and production technology affecting agriculture in the region
• Travel to/from prospective customers’ and members’ businesses/homes, other CFC offices, associations, AgFirst or other facilities

Marginal:

• Farm or ranch background with related practical experience
• Farm Credit experience

Additional Details

Candidates selected for interview will be contacted. EEO, including veterans and individuals with disabilities.

Job Type: Full-time

Pay: $45,000.00 - $65,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible schedule
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Parental leave
• Professional development assistance
• Referral program
• Retirement plan
• Tuition reimbursement
• Vision insurance

Physical setting:

• Office

Schedule:

• 8 hour shift
• Monday to Friday

Supplemental pay types:

• Bonus pay

Ability to commute/relocate:

• Ellerbe, NC 28338: Reliably commute or planning to relocate before starting work (Required)

Education:

• Bachelor's (Preferred)

Experience:

• loan origination: 1 year (Required)
• sales: 1 year (Preferred)
• agriculture-related: 1 year (Preferred)

Work Location: One location

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