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Deputy Chief Credit Officer

Horizon Farm Credit

Office

Greenville, NC, United States

Full Time

Deputy Chief Credit Officer – Fayetteville, Greenville, or Raleigh,

 Are you passionate about supporting agriculture and rural communities? Do you thrive in a leadership role that blends strategic thinking, mentorship, and analytical expertise? If so, we want to hear from you!

As Deputy Chief Credit Officer at AgCarolina Farm Credit, you’ll report to the Chief Credit Officer and play a pivotal role in managing overall credit risk while supporting the Chief Credit Officer in strategic planning.  You’ll be responsible for credit administration management and tasked with approving and administering loans and loan commitments ensuring adherence to existing policy guidelines. You will ensure documentation is adequate for security of collateral, providing a “first line of defense” within the Association’s credit risk management framework. The position also oversees primary credit portfolio management and reporting activities. You should take pride in leading, mentoring, and empowering team members to enhance their capabilities while fostering the Association’s credit culture. The Deputy Chief Credit Officer leads the review of the loan portfolio on a continuing basis to prevent or mitigate loan losses and identify opportunities for business improvement.

What You’ll Do:

  • Leads the Association’s efforts to properly assess and manage credit administration utilizing sound decision making skills, risk analysis and reporting 
  • Assist Chief Credit Officer in managing the Association credit strategy ensuring sound credit decision making in line with risk appetite and business goals
  • Monitor quality of Association loan portfolio, identify potential credit risks and trends, and implement strategies for mitigation 
  • Provide direct leadership and coaching, support recruitment, training, development, and performance evaluation for Credit Administration team
  • Assist Chief Credit Officer in promoting and implementing the Association credit culture to ensure consistency and soundness in the credit decision process
  • Administer sound credit decisions based on Association policies and procedures
  • Provide coaching to lending staff on credit risk and skills development
  • Manages the execution of loan portfolio credit objectives, policies, and business plans while identifying opportunities for business improvement 
  • Participate in developing and upholding credit risk policies, procedures, and guidance to mitigate risk and ensure adherence in the loan origination process
  • Leads Loan Committee and provides guidance on complex credit packages
  • Collaborate with credit analyst team and lenders to ensure quality and consistency in credit presentation
  • Compile portfolio statistics and risk reports for Board reporting and portfolio management
  • Ensure compliance with FCA regulations, reporting requirements, and proactively address potential compliance issues
  • Collaborate effectively with team members and neighboring departments
  • Build and maintain a positive working relationship with others to enhance the Association’s reputation in the market
  • Participate in scheduled training and professional development

What We Value:

At AgCarolina, we believe in:

  • Customer Focus – Delivering responsive, informed service to our members
  • Collaboration – Working together across teams to achieve shared goals
  • Excellence – Demonstrating attention to detail, timely decision-making, and professionalism
  • Growth – Fostering continuous learning, coaching, and development in others

What We’re Looking For:

  • Bachelor’s degree in business, finance, accounting, or agricultural economics; 10+ years credit administration/analysis experience or equivalent
  • Farm Credit experience preferred 
  • Experience with strategic and business planning
  • Leadership and managerial experience preferred
  • Strong written and oral communication skills and analytical judgment 
  • Assertive and confident in making sound business decisions 
  • Resilient in high-pressure scenarios with a professional demeanor
  • Expert understanding of the 5 C’s of Credit: Capacity, Capital, Conditions, Character, Collateral
  • Intermediate proficiency in Microsoft Word, Excel, PowerPoint, and Windows
  • Self-directed, adaptable, and team-oriented in addition to exhibiting sound decision making skills 
  • Ability to travel within AgCarolina Farm Credit's territory and outside the territory as required
  • Agricultural background preferred but not required

Why Join Us?

If you're looking for:

  • Competitive pay, including eligibility for incentive pay
  • Comprehensive benefits (medical, dental, life, LTD, and others)
  • Company-matched 401(k) (100% match of the first 6% you defer)
  • Commitment to training and professional development
  • Meaningful work that allows one to make a difference in agricultural and rural communities
  • Opportunities for work-life balance
  • A great work environment with colleagues who have a shared commitment to our core values

AgCarolina Leader Competencies:

  1. Drives Results
  2. Builds Effective Teams
  3. Instills Trust
  4. Communicates Effectively
  5. Ensures Accountability
  6. Develops Talent
  7. Drives Engagement
  8. Manage Complexity
  9. Collaborates
  10. Adaptability

Internal candidates must have at least 5 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 with Chief Credit Officer, Chief Executive Officer, and HR Representative 

 

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. 


Deputy Chief Credit Officer

Office

Greenville, NC, United States

Full Time

August 8, 2025

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Horizon Farm Credit