Loan Officer

About AgWest Farm Credit

AgWest Farm Credit is a cooperative lender with deep roots in the rural communities we serve. We provide reliable, consistent credit and financial services to farmers, ranchers, agribusinesses, and rural homeowners across the Northwest and beyond. Our mission is to support agriculture and rural communities with dependable financial solutions tailored to their needs.

Job Summary

As a Loan Officer at AgWest Farm Credit, you will play a vital role in fostering relationships with agricultural producers and rural customers. You will be responsible for developing and managing a portfolio of loans, evaluating creditworthiness, structuring financial packages, and supporting the long-term success of your clients and the cooperative.

Key Responsibilities

• Develop and maintain strong customer relationships with farmers, ranchers, and rural clients in your assigned territory.

• Analyze financial statements, cash flows, collateral, and credit history to assess risk and determine creditworthiness.

• Structure, underwrite, and present loan packages that meet client needs and comply with internal lending policies and regulatory standards.

• Monitor existing loans for risk, compliance, and performance; proactively identify and address potential issues.

• Collaborate with internal teams including credit analysts, appraisers, and crop insurance specialists to deliver holistic financial solutions.

• Identify new business opportunities and contribute to portfolio growth through community involvement and client outreach.

• Ensure accurate documentation and compliance with all AgWest and regulatory lending requirements.

• Maintain current knowledge of agricultural industries, regional economic trends, and market conditions.

Qualifications

• Bachelor’s degree in Agriculture, Finance, Business, Economics, or related field (Master’s degree preferred).

• 2+ years of experience in lending, banking, or agriculture-related financial services.

• Strong knowledge of agricultural operations, commodity markets, and rural business dynamics.

• Excellent financial analysis, credit evaluation, and decision-making skills.

• High level of integrity, professionalism, and relationship-building ability.

• Proficiency in Microsoft Office and loan origination systems.

• Willingness to travel within the assigned region and engage with customers on-site.

Preferred Attributes

• Experience working directly with agricultural clients or in a rural lending environment.

• Knowledge of cooperative lending principles and familiarity with Farm Credit System practices.

• Certification in credit analysis or ag lending (e.g., ABA Agricultural Lending Institute) is a plus.

What We Offer

• Competitive compensation and performance-based incentives

• Comprehensive benefits package (medical, dental, vision, 401k match, paid time off)

• Opportunities for professional development and career advancement

• A mission-driven workplace with a strong sense of community and service