Chief Credit Officer

Job Description We are seeking a Chief Credit Officer for AgSouth Farm Credit, a $5.4 billion Association headquartered in Statesville, NC. The Chief Credit officer (CCO) is responsible for strategic oversight of credit and appraisal operations. The CCO works directly with the CEO to execute the Association's delivery of sound credit and appraisals services to customers. This position contributes to the overall leadership of the Association through participation at the executive level in the development of strategic objectives, operating objectives, and plans. Responsibilities:Credit Underwriting & Administration Oversight: This role oversees the Association's credit underwriting and administration functions to ensure strong portfolio quality and alignment with strategic goals. Responsibilities include overseeing underwriting practices, ensuring sound loan decisions and documentation, and reviewing credit compliance. The position approves higher authority loans, manages collateral valuation in partnership with the Chief Appraiser, and ensures appraisal reviews are properly reported. It also oversees loan authority delegation for Loan Officers and safeguards the Association's interests by enforcing FCA regulations and internal lending policies. Credit & Appraisal Team Leadership: This role oversees the credit and appraisal management teams, providing supervision, coaching, and development to ensure strong credit decisioning and service delivery. Responsibilities include establishing appropriate individual performance goals, monitoring engagement and results, and partnering with Learning and Development to support ongoing training and professional growth. Credit Risk Administration & Leadership: This role supports enterprise credit risk management by partnering with the Chief Risk Officer to ensure strong controls across the credit function. It provides high level loan approval authority, participates in Management and Corporate Loan Committees, and ensures loans requiring FCB approval are properly submitted. The position also maintains productive relationships with the Farm Credit Administration, System credit committees, and key industry groups to strengthen financial performance and organizational effectiveness. Requirements: • Education and/or experience equivalent to a bachelor's degree in business administration, finance, agricultural economics or related corporate field required; MBA or advanced education preferred and/or a certificate from a graduate school of banking • Minimum 10-15 years of challenging business experience with demonstrated leadership and management skills • Ability to communicate (written and verbal) effectively with all levels of the organization, including the internal staff, the Board of Directors, and external contacts • Expert knowledge and understanding of business and sales management, finance, and economics • Expert knowledge of credit and financing structure, complex financial structuring and troubled credit resolution • Broad knowledge of agriculture • Ability to build and maintain effective working relationships with all levels of management, staff and board of directors • Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association • Ability to travel extensively across the organization to carry out essential responsibilities of the job Why AgSouth? Part of the National Farm Credit System, AgSouth supports the financial needs of rural communities in Georgia, South Carolina, and North Carolina. We recognize that happy employees create happy customers, and we work to give our employees the tools they need to succeed and enjoy working. At AgSouth, you have an opportunity to make a difference for agriculture and rural communities while elevating your career. When you work here, you are part of a cooperative that provides financing to farmers, businesses and homeowners in rural America. At AgSouth, we value your skills and unique perspective. We aim to give our employees room to grow both personally and professionally. We hope you will find more than just a job here and that it becomes a fulfilling career that allows you to use your abilities to be your best self and a part of our work family. What can we offer you? • Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering. • Corporate incentive plan with spot bonuses for top-notch work. • Medical, dental and vision insurance, as well as life and disability insurance. • Flexible spending and health savings accounts. • Generous 401(k) matching contributions, as well as additional employer contributions. • Reimbursement for approved higher education pursuits. • A wellness program for employees, which includes resources for a healthier lifestyle. • Corporate learning programs for professional development. • Other perks, such as employee discounts on select cell phone providers, computers, etc. Other Details: The preferred location for this position is Statesville, NC. AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.

Created: 2026-03-04