Home & Land Loan Officer

Job Description

Are you looking for a relationship-driven lending role that offers career growth, meaningful community impact, and a strong work/life balance?

Horizon Farm Credit is seeking a Home & Land Loan Officer to join our Home & Land Lending team. This position reports to the Home & Land Lending Manager and may work in either the Chambersburg, PA, York, PA or Frederick, MD office location. This position will mainly service the Fulton, Franklin, and Adams counties in PA in addition to Frederick County in MD. This position is eligible for a hybrid work schedule after 6 months of successful employment. Our ideal candidate is a confident financial professional with strong relationship-building skills and a passion for helping rural residents and part-time farmers achieve their property ownership goals.

In this role, you will deliver sound credit and financial solutions while developing new business and strengthening referral relationships within your territory. You will utilize Horizon's structured sales dialogue framework to guide borrower conversations, uncover financial needs, and identify desired outcomeswhile promoting related products and services and representing Farm Credit positively in the community.

Areas of responsibility include:

• Loan Processing & Servicing: Develop and close Home and Land loans within delegated authority, ensuring complete and accurate loan files while meeting volume and quality expectations. Provide guidance to customers seeking financial solutions.
• Marketing & Business Development: Originate new Home and Land loans and grow existing relationships with rural residents and part-time farmers. Build strong referral networks and grow business within the assigned territory.
• Customer Service: Build strong internal and external relationships and deliver exceptional, timely customer service. Meet with customers to review documentation and obtain signatures while ensuring a professional and positive experience.
• Financially Related Services & Credit Analysis: Interview applicants, analyze complete and accurate financial information using the five credit factors, determine credit risk, communicate credit decisions, and inspect or appraise collateral as needed.

Education & Experience:

• Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or a related field. Generally, one to five years of related lending, sales, or financial services experience preferred.

Preferred Skills:

• Strong interpersonal and communication skills with the ability to manage challenging customer situations.
• Ability to develop and maintain referral networks and practice effective territory management.
• Basic knowledge of lending principles and related financial products and services.
• Proven sales and relationship-building skills.
• Ability to manage customer relationships and loan portfolios with moderate supervision.
• Willingness to spend time meeting with customers, prospects, and referral partners.
• Adaptable and flexible to a changing work environment.
• Ability to travel to/from other branch offices, customer meetings, etc., as required.
• Regular, predictable, and reliable attendance is required.

Who are we?

Horizon Farm Credit is an expert in agriculture, with more than 100 years of service to rural America. As a premier rural lender, we are committed to helping our customers and communities thrive. Joining Horizon Farm Credit means being part of a mission-driven organization that values teamwork, integrity, and long-term relationships.

What can we offer you?

We offer competitive compensation and a comprehensive benefits package for full-time employees, including:

• Medical insurance with dental and vision care options
• 401(k) with significant employer matching
• Paid time off, holidays, and volunteer time
• Tuition reimbursement and training opportunities
• Student loan reimbursement
• Leadership and career development opportunities
• Paid maternity and bonding leave
• Paid short-term disability
• Fun, inclusive, and community-focused work environment

Salary Range: $51,900 77,000, depending on previous experience. Opportunity to earn additional incentive.

Equal Opportunity Employer, including veterans and individuals with disabilities.