Rural 1st Loan Officer Trainee - Kentucky

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Posting Date:
Jan 8, 2026

Location:

Bowling Green, KY 42101
Henderson, KY 42420
Somerset, KY 42503
Elizabethtown, KY 42701
Hopkinsville, KY 42240
Lexington, KY 40511
Campbellsville, KY 42718
Mt Sterling, KY 40353
Maysville, KY 41056
Hardinsburg, KY 40143
Shelbyville, KY 40065
Owensboro, KY 42301
Russellville, KY 42276
Glasgow, KY 42141

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

LOCATION: Kentucky
SCHEDULE: Full Time, Onsite
TRAVEL REQUIRED: 25-25%

COMPENSATION:$54,412.00 to $89,931.00 base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

This is a trainee level position. The Rural 1st Loan Officer Trainee’s (RLO Trainee) primary responsibility is to gain the knowledge, skill, ability and experience to become a fully-functional Rural 1st Loan Officer.

The Rural 1st Loan Officer (RLO) is a sales position responsible for building relationships with customers in the consumer market segment. The RLO will use their knowledge of finance to fully understand the customer or prospect’s business and personal plans and then market the Farm Credit Mid-America financial services that best meet their needs.

The RLO Trainee will learn what is necessary to originate credit by assessing the request and obtaining business and financial information needed to determine the viability and profitability of the deal. After initially screening for soundness, the RLO Trainee will work with their supervisor and/or development partner to: assess the customer’s needs; determine how best to meet those needs; and to obtain the business and financial information needed for the credit team to make a good credit decision.

The RLO Trainee will be coached on how to lead the customer relationship and coordinate with others to serve the customer’s loan, lease, crop insurance and servicing needs.

SALES and RELATIONSHIP MANAGEMENT
The RLO Trainee will develop and maintain a significant professional presence throughout the assigned territory. They will spend time learning how to build professional relationships with customers, prospective customers and influencers based on mutual trust and respect. The objective is to understand customer goals, credit strengths and weaknesses, and deliver “value added”/constructive agricultural and/or financial information that will assist them in their farming businesses.

The RLO Trainee will learn how to determine and define the appropriate customer interaction and coordinate the appropriate staff that may directly or indirectly be a part of the relationship to serve the customer’s loan, lease, crop insurance and servicing needs. The RLO Trainee also ensures appropriate communication to the customer and to internal team members regarding the customer.

DELIVER SOUND CREDIT
As part of the ongoing consultative relationship with our customers, the RLO Trainee will learn to interpret and evaluate financial information and ask appropriate follow-up and probing questions to determine the appropriate product or service. The RLO Trainee will learn to effectively recommend loan terms, conditions, and collateral position consistent with the request and associated loan risks, and then set clear expectations with the customer.

SERVICE PORTFOLIO
To minimize association risk and losses, the RLO Trainee will learn how to monitor the portfolio to timely…