Mortgage Loan Officer

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Job Title: Mortgage Loan Officer
Location: Raleigh, NC, South United States, USA

Company: AgCarolina Farm Credit
Industry Sector: Agribusiness
Industry Type: Input Retail, Cooperative and Related Crop Services
Career Type: Accounting/Finance/Asset Management
Job Type: Full Time

Job Description: 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:

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.

To apply please click on APPLY TO THIS POSITION

Job Post Date: 04/11/26