Credit Analyst

Job Description

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance?

Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA, Reedsville, PA, Frederick, MD, or Winchester, VA branch locations. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities.

Position Description: In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image.


Areas of Responsibility Include but not limited to:

Based on Size, Scope, and Risk in the overall credit facility; complete the following:

• Analyze financial information - accurately complete historical trends, pro-forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation.
• Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C's of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation.
• Actively collaborate with Relationship Managers to finalize credit recommendations.
• Obtain necessary delegated authority for loan approvals.
• Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions.
• Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations.
• Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other on-going conditions of the loan approval.
• Participate in continued education of agricultural industry trends/news.
• Participates in association initiatives and engages regularly with cross-functional teams.
• Other projects and/or research as assigned.

REQUIREMENTS:

• Bachelor's degree in Business Administration, Agriculture, Economics, or Finance.
• Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred.
• Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package.
• Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co-workers.
• Strong analytical and computer skills.
• Adaptable and flexible to a changing work environment.
• Prolonged periods of sitting at a desk and working on a computer.

Who are we?

Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities.


What can we offer you?

We offer competitive compensation and benefits packages 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 to support work/life balance
• Tuition reimbursement and training opportunities
• Student loan reimbursement
• Leadership and career development opportunities
• Paid parental leave and short-term disability
• Fun and inclusive work environment

Salary Range: $51,900 - $86,400, depending on previous experience. Opportunity to earn additional incentive.


Equal Opportunity Employer including veterans and individuals with disabilities.