Job Description

Mortgage Loan Officer – Raleigh, Rocky Mount, Louisburg, Smithfield, Greenville, New Bern, Halifax, Ahoskie, Williamston, Elizabeth City

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 Mortgage Loan Officer at AgCarolina Farm Credit, you’ll play a key role in the origination of home loans to existing and new customers. 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:

• Market Farm Credit mortgage lending to real estate professionals
• Underwrite mortgage loans and make a credit decision
• Originates mortgage and consumer loans
• Determines the best loan product for the customer
• Utilizes Association broker network to choose the best loan option
• Promote an effective sales call plan to prospective customers and influencers that will build association business and expand market penetration
• Build and maintain strong customer relationships

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:

• Bachelors degree in Business, Finance or Agriculture Economics
• At least 2 years of lending experience; mortgage lending preferred
• Registered with or eligible for registration under the Nationwide Mortgage Licensing System and Registry
• Possesses current awareness of the secondary market industry, as well as, economic and housing developments in the territory
• Understands Fair Credit Reporting Act and Mortgage Lending Rules
• Strong knowledge of mortgage lending software
• Strong analytical, judgment, and communication (oral and written) skills
• Ability to be assertive and decisive in making sound business decisions
• Demonstrates accuracy and attention to detail in gathering, reviewing, and submitting loan applications and supporting documentation
• Intermediate computer skills in Microsoft Office and Outlook
• Ability to travel within and outside AgCarolina’s territory
• Quick learner, adaptable, and strong problem solver
• Ability to work independently under minimal supervision
• Maintains relationships with centers of influence, builders, realtors, other bankers and branch offices

Our Commitment:
When you join AgCarolina, you become part of The AgCarolina Way—a team rooted in service and purpose. Everything we do is driven by our mission to yield 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:

1. Communicates Effectively
2. Action-Oriented
3. Makes Good Decisions
4. Collaborates
5. Focuses on Our Members
6. Welcomes Everyone and Treats Them Fairly
7. 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.

1. Phone Screen with AgCarolina HR Representative
2. In-person interview

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

AgCarolina Farm Credit is the largest ag lending cooperative operating in North Carolina with a local presence throughout the territory. The Association has approximately $3.1 billion in gross loan volume, serving more than 6,000 members.

Our purpose at AgCarolina Farm Credit (ACA) is to serve the agricultural industry and our rural communities, yielding a more prosperous future for all. We are committed to providing constructive credit and financial services to grow the success of our members, one local relationship at a time.

We believe that an inclusive team of employees is the best way to serve our agricultural and agribusiness customers. AgCarolina refers to our diversity initiatives as inclusion initiatives. With inclusion, we seek to involve all employees, management team, and board in fostering an environment that encourages and acknowledges the positive contributions individuals from all backgrounds can make in the success of our organization. By embracing and leveraging our unique strengths we establish ourselves as a positive corporate citizen and an employer of choice.

We are committed to attracting and developing an outstanding team of employees and supporting each one to achieve his or her full potential. Our success at AgCarolina GROWS by:

• Growing our people and association
• Relationships built on respect, trust, and integrity
• Owning responsibility for our attitudes, actions, and job performance
• Welcoming everyone and treating them fairly
• Serving one another, members, and local communities

In addition to our Core Values, AgCarolina has established competencies for employees, leadership, and senior leadership positions. These competencies are designed to provide a clear picture of the daily actions one can take and develop over time to add value to the Association and enhance their professional growth.

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