Emily Lowe Named Chief Lending Officer
MARIANNA, FL – Farm Credit of Northwest Florida, ACA announces the selection of Emily Lowe as its next Chief Lending Officer, effective October 1, 2025.
Emily brings a wealth of expertise to the role, including 21 years of experience with Farm Credit of Northwest Florida, having begun her career in May 2004, shortly after graduating from Florida State University with a degree in Finance and Real Estate. Over the years, she has held several key lending roles, including most recently being appointed Chief Lending Officer Designate in January 2025.
Emily demonstrates a steady commitment to our members and to the agricultural, forestry, and rural communities Farm Credit of Northwest Florida serves. Beyond her professional contributions, she has served as a Director of the Florida Forestry Association, a prior Director of the Jackson County Chamber of Commerce, and as a graduate of Florida’s Great Northwest’s Leadership Northwest Florida Class II.
In reflecting on her journey, Emily shared:
“I’m deeply grateful to my family for their unwavering support, to the incredible team at the Association for their dedication and collaboration, and to the mentors, peers, members, and business associates who have helped shape my journey. I also want to express my heartfelt appreciation to Mike Digmon, whose leadership and guidance have been instrumental in preparing me for this role. I’m honored to continue serving our Association, the team I’m privileged to lead, and our members with care, integrity, and a commitment to their success.”
Emily shares her vision for the future:
“My focus will be on cultivating and retaining a high-performing team of lending professionals who serve with confidence, integrity, and a shared commitment to Farm Credit’s mission. I’m committed to embracing thoughtful, common-sense change that supports the cooperative’s growth safely and soundly, while preserving the relationships with our members, enhancing the customer experience through smart technology, and strengthening partnerships with other Associations in the Farm Credit System and industry professionals, all while staying true to the mission and values of Farm Credit.”
This leadership transition also marks the upcoming retirement of current CLO Mike Digmon, who will retire after 12 years of dedicated service to Farm Credit of Northwest Florida.
Mark Fletcher, past chairman of the Board of Directors, says, “As currently the longest serving board member, I can say with conviction that Mike has played an important role in Farm Credit of Northwest Florida’s success and steady growth. On behalf of the Board, we commend Mike for a job well done and wish him continued success.”
Mike expressed his confidence in the future of the lending team, stating:
“As I take this step into retirement, I do so with complete confidence in Emily Lowe as my successor. Her dedication and vision ensure that the path forward is in very capable hands. I’m confident that the future is bright, and I look forward to all they will accomplish.”
Farm Credit of Northwest Florida thanks Mike Digmon for his years of dedicated service and leadership and welcomes Emily Lowe into her new role.
About Farm Credit of Northwest Florida
Farm Credit of Northwest Florida, ACA, headquartered in Marianna, Florida, is part of the nationwide Farm Credit System and operates as a stockholder-owned cooperative that provides loans and other financial services to farmers, ranchers and rural residents in an eighteen-county chartered territory in the Florida Panhandle. The Association serves over 1,600 customers through offices in Marianna, Milton, Jay, Tallahassee, and Monticello. During 2024, the Association generated net earnings of some $6.91 million and returned cash patronage payments of $4.45 million to its customer/stockholders.