Job Description

We are seeking a Loan Officer to join our Farm Credit family! This position serves current and prospective customers with sound agricultural credit according to Association policies and procedures. The Loan Officers builds business development strategies, develops customer relationships, and provides loan servicing for their existing portfolio. They operate within delegated lending authority.

Responsibilities:

Sales, Business Development & Marketing

Develop new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expand existing relationships by proactively researching customer needs, uses discretion and independent judgment in understanding customer needs, and matching products and services to those needs.

Loan Servicing

Monitor specific, individually assigned loans, and assures that the loans receive timely and sound servicing. Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems.

Credit Administration

Interview applicants, gather and reconcile complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis. Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgSouth objectives.

Other Duties as Assigned/Personal Employee Development

Other duties and responsibilities as assigned, which may include specific projects. Participate in continuous learning activities to sustain knowledge of the industry, management practices, and Association policies, procedures, and guidelines.

*This position will service the Walterboro Branch Location

Requirements:

• Education and/or experience equivalent to a Bachelor’s degree
• 1-3 years related work experience preferred
• Ability to communicate (written and verbal) effectively with all levels of the organization
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
• Ability to travel extensively across the organization/assigned territory via auto to carry out essential responsibilities of the job
• Ability to work independently and as a team member under minimal supervision
• Excellent computer skills
• Contributes to building and maintaining a positive team atmosphere
• Focus on problem solving skills with solutions-driven results
• Knowledge of Farm Credit Association policies and procedures
• Current awareness of economic developments and production technology affecting agriculture in the region

Why AgSouth?

Part of the National Farm Credit System, AgSouth supports the financial needs of rural communities in Georgia, South Carolina, and North Carolina. We recognize that happy employees create happy customers, and we work to give our employees the tools they need to succeed and enjoy working. At AgSouth, you have an opportunity to make a difference for agriculture and rural communities while elevating your career. When you work here, you are part of a cooperative that provides financing to farmers, businesses and homeowners in rural America. At AgSouth, we value your skills and unique perspective. We aim to give our employees room to grow both personally and professionally. We hope you will find more than just a job here and that it becomes a fulfilling career that allows you to use your abilities to be your best self and a part of our work family.

What can we offer you?

• Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering.
• Corporate incentive plan with spot bonuses for top-notch work.
• Medical, dental and vision insurance, as well as life and disability insurance.
• Flexible spending and health savings accounts.
• Generous 401(k) matching contributions, as well as additional employer contributions.
• Reimbursement for approved higher education pursuits.
• A wellness program for employees, which includes resources for a healthier lifestyle.
• Corporate learning programs for professional development.
• Other perks, such as employee discounts on select cell phone providers, computers, etc.

Other Details:

AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.

ABOUT US

We are an Equal Employment/Affirmative Action employer, including veterans and individuals with disabilities. We do not discriminate in hiring on the basis of age, race, color, national origin, sex, sexual orientation, gender identity, pregnancy (including childbirth or related medical condition), religion, disability, protected veteran status, or any other characteristic protected by federal, state or local law.

If you need a reasonable accommodation for any part of the employment process, please contact us by email at AGSHR@agsouthfc.com or by phone at (912) 764-9091 and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.

Why AgSouth?

When you work here, you have an opportunity to make a difference for agriculture and rural communities. Part of the national Farm Credit System, we are an agricultural lending cooperative that provides loans for land, production agriculture, farm equipment, crop insurance, leasing, and home mortgages. Our $4 billion portfolio of customers and strong presence in local communities across North Carolina, South Carolina, and Georgia allow us to effectively serve our member-borrowers as the largest agricultural lender in the southeast.

At AgSouth, we value our employees and provide them room to grow both personally and professionally. If you’re looking for more than just a job, consider joining the AgSouth family!

What can we offer you?

·Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering.

·Corporate incentive plan with spot bonuses for top-notch work.

·Medical, dental and vision insurance, as well as life and disability insurance.

·Flexible spending and health savings accounts.

·Generous 401(k) matching contributions, as well as additional employer contributions.

·Reimbursement for approved higher education pursuits.

·A wellness program for employees, which includes resources for a healthier lifestyle.

·Corporate learning programs for professional development.

·Other perks, such as employee discounts on select cell phone providers, computers, etc.