Loan Officer or Senior Loan Officer

Do you thrive in a dynamic environment where you can make a meaningful impact on local agriculture?

Are you passionate about building relationships and helping individuals achieve their financial goals?

If this sounds like you, we invite you to apply! Golden State Farm Credit is seeking a Loan Officer to join our growing credit team in Chico, CA. The ideal candidate will possess a knowledge of local commodities and an ability to combine agricultural and business knowledge to build new relationships with agricultural customers.

Our team at Golden State Farm Credit is united in our efforts to support rural communities and the agricultural industry. We offer a distinct work environment that fosters collaboration amongst teams, promotes a customer-centric approach to service, rewards those who take initiative, and provides a variety of projects to create an engaging work culture. We value teamwork, continuous learning, and the positive impact that our dedicated employees make.

The Association reserves the right to hire a qualified candidate from the VP, Loan Officer classification instead of the Loan Officer or Senior Loan Officer classification, depending on applicant experience and organizational needs.

Intrigued?  Want to know more?

Apply at Careers | Golden State Farm Credit ! Review the full job description below. 

DEADLINE TO APPLY:  June 26th, 2026 at 3:00 pm 

Loan Officer Salary Range:  $78,521 - $120,026

Senior Loan Officer Salary Range: $87,502 - $134,590

In addition to salary, the Association has a team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance.

Position Summary:

The Loan Officer position manages, maintains, and grows an assigned portfolio through building relationships, managing credit, servicing loans, and ensuring proper loan documentation to be consistent with Association policies. Loan Officer levels are differentiated by difference in education, experience, loan portfolio size, number of loans, experience, credit ability and additional responsibilities.   

Essential Functions:

Loan Underwriting (LO 40%, Senior LO 30%)

• Meets with, collects, and enters data from customers and potential customers into internal software


• Analyzes financial data and makes recommendations for loan structure, terms, and conditions


• Recommends loan approval, denial, or modification for loans 


• Negotiates loan structure and pricing for recommendation to customers and/or Loan Committee


• Orders and reviews appraisals


• Opening and ordering preliminary reports from a Title Company, along with the ability to analyze title searches


• Monitor past dues 


• Verifies proper documentation are filed


• Verifies financial documentation and closing conditions


• Recommends product pricing


• Communicates credit decision and completes required steps for closing


• Contacts external parties to finalize details for loan closing


• Participates in the ongoing design of processes to provide exceptional service, achieve satisfactory credit administration goals, and result in achievement of targeted credit quality with adequate compensation for risk

Loan Portfolio Management / Servicing (35%)

• Services loans, including interest rate conversions, MERLOC extensions, re-amortizations, partial releases, fixed rate pricing assumptions, and collateral analysis


• Works with staff to identify and develop plans to reduce risk for at-risk credit


• Ensures regulatory compliance on loans by following Association policies and procedures


• May report market and commodity updates to management


• Analyzes and services non typical and complex loan application documents


• Reviews and ensures compliance of borrower’s reporting and restrictive covenants


• Recommends appropriate course of action (Distressed Loan Notice, advanced delinquent taxes, initiate foreclosure)

Business Development (LO 15%, Senior LO 25%)

• Maintains a professional presence and develops a network to the constituency the Association serves, Farm Credit system, financial institutions, and regulators


• Represents and promotes the Association at outside meetings and events


• Generates sales leads to develop sound business relationships and produce new business


• Educates customers on services and products offered by the Association

Loan Documentation (10%)

• Enters additional credit information into software


• Verifies documentation is accurate with title companies, legal department, and internal loan software

Data Security and Confidentiality

• Appropriately protects the confidentiality, security, and integrity of the Association’s systems, data, and clients’ data

Commitment and Support of Association Mission

• Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings

Knowledge and Skills:

• Knowledge of the agriculture, financial and real estate industry, and applied business mathematics and principles.


• Knowledge of Microsoft Office Suite, computers, current software, and other office tools.


• Ability to effectively read, write, and communicate in the English language.


• Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.


• Skill in analyzing information and problem solving to formulate logical and objective conclusions.


• Knowledge of accounting principles, practices, and methods.


• Knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.


• Knowledge of financial statements and Generally Accepted Accounting Principles (GAAP).


• Knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology.


• Skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business.


• Skill in educating, promoting, and selling credit products to customers.


• Skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.

Qualifications:

• Education:  Bachelor’s Degree in Agriculture, Agribusiness, Business, Finance, or a related field


• Experience:
  
  
  
  • Loan Officer: 2 year of credit analyst experience. 0-2 years in sales, lending, or other related work
  
  
  • Senior Loan Officer: 3-5 years of loan officer experience. 
  
  
  
  


•  Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

Experience and portfolio size can differ depending on experience and level of applicant.

PHYSICAL DEMANDS:

Positions in this class typically require: keying, talking, hearing, seeing, and repetitive motions.
Sedentary Work: Exerting up to 10 pounds of force occasionally to lift, carry, push, pull or move objects. Must be able to remain in a stationary position most of the time. The employee must be able to prepare and analyze data and figures; transcribe data; understand information communicated via computer screens and in written text.

WORKING CONDITIONS:
Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 10-50% travel time.

The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to: race (including traits historically associated with race, such as hair texture and protective hairstyles), relation (all aspects of religious belief, observances and practices including religious dress and grooming practices), color, national origin, ancestry, identity, gender expression, actual or perceived sexual orientation, marital status, military and veteran status, civil air patrol status, age, physical or mental disability, genetic information or medical condition, except where physical fitness is a valid occupational qualification or any other consideration made unlawful by federal, status or local laws. Applicable law also prohibits unlawful discrimination based on the perception that anyone has any of the foregoing characteristics. “National origin” also includes discrimination against an individual because of their primary language or because that person holds or presents the California driver’s license issued to those who cannot document their lawful presence in the United States, as well as discrimination based upon any of the following: an indivuduals' or the indivuduals' ancestors’ acutal or perceived physical, cultural, or linguistic characteristics associated with a national origin group; marriage to or association with individuals' of a national origin group; tribal affiliation; membership in or association with an organization identified with or seeking to promote the interests of a national origin group; attendance or participation in schools, churches, temples, mosques or other religious institutions generally used by persons of a national origin group; or a name that is associated with a national origin group An applicant’s or employee’s immigration status will not be considered for any Association employment purpose except as necessary to comply with federal, status or local laws. California law also prohibits discrimination against individuals providing services in the workplace pursuant to a contract, unpaid interns and volunteers on the basis of actual or perceived race, color, creed, religion, sex, physical or mental disability, genetic information or age. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.