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Agricultural Loan Officer


Agriculture loan officers, or agricultural lenders, work to help farmers and rural citizens obtain funds needed to fund their operation, purchase property, and more.



What responsibilities will I have?

  • Seek lending relationships with existing customers
  • Actively call on prospective borrowers
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
  • Develop and analyze all types of credit information
  • Approve within delegated authority loan structures pricing and conditions on loan transactions
  • Combine agricultural and business knowledge with an in-depth understanding of each customer’s current financial position in order to provide innovative and workable alternatives to solve problems the customer faces in their ongoing farming operations
  • Ensure all files are maintained in a secure environment to protect borrowers’ data
  • Participate in training as scheduled by the supervisor
  • Evaluate the risk in loan transactions and assign a probability of default and loss given default
  • Manage and grow existing loan portfolios
  • Participate in community and industry events
  • Prepare credit analysis on assigned portfolio directly or through the use of a credit analyst


What education and training is required?

Becoming an agricultural loan officer requires a bachelor’s degree in agricultural business, business, accounting or finance. A general understanding of agriculture is very valuable and desired.


To pursue a career as an agricultural loan officer:

The following high school courses are recommended: agricultural education, computer courses, accounting, economics, and personal finance.  


Where can I work?

Agricultural loan officers most often work for banks, some of which are agricultural in nature.


Future Job Market / Outlook

The future outlook for an agricultural loan officer will be good over the next five years. 


Suggested Professional Organizations and Associations

  • American Agricultural Economics Association
  • Local Chamber of Commerce
  • American Bankers Association
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