Loan Officer

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Description/Job Summary

Serves present and prospective members/customers with sound, productive short, intermediate and long term agricultural credit according to district policies, standards and procedures.  Promotes related services to all current and prospective members.  Services all assigned existing loans within delegated authorities.  Typical accounts would consist of operations with gross income less than $100,000 total portfolio less than $20 million services a portfolio generally less than $35,000,000 and generates total income less than $500,000.


  • Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs.
  • Interviews applicants, gathers, analyzes and reconciles complete, accurate credit and financial data using the five credit factors under the guidelines of differential analysis.  Determines credit risk and makes timely and accurate decisions.  Establishes and renegotiates credit terms, when necessary.  Inspects or appraises collateral as needed or applicable. Communicates credit decision to loan applicants.
  • Services loans in portfolio to retain high loan level quality. Reviews progress of loans on a periodic basis.  Makes periodic calls on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems. Monitors delinquent reports and counsels with customers to bring accounts current. Provides guidance to customers seeking solutions to financial problems. 
  • Provides information to existing and potential members/borrowers as to available financially related services and properly handles financial service accounts.

Required Experience

  • Two to four years’ experience in a sales or lending environment.

Required Education

  • Education and/or experience equivalent to a Bachelor's degree in Business Administration, Agriculture Economics, Finance or related field.


  • 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; computer literate; 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 the ACA and the borrower.
  • Current awareness of economic developments and production technology affecting agriculture in the region.
  • Travel to/from other branch offices, associations, AgFirst or other facilities.

Equal Opportunity Employer including veterans and individuals with disabilities.

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MidAtlantic Farm Credit is an EEO/AA Employer. We do not discriminate in hiring on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, 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 or by phone at (410) 848-1033 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.

For more information about our commitment to equal employment opportunity, please click here.

MidAtlantic Farm Credit (the “Association”) will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (1) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Association’s legal duty to furnish information.