Credit Resolution Officer

Job Description

Are you looking for a new opportunity with the ability to work in a collaborative team environment, that provides a great work/life balance, and the chance to make a difference?

Overview: Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, or Winchester, VA branch location. The hours of operations are typically Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule. This is a great opportunity to make a difference in agriculture and rural communities.

Position Description: In this position, you will work directly with Ag Relationship Managers, Customers, Credit Analysts, Regional Credit Officers, Special Assets, and Regional Management to return a loan to a viable financial position through restructuring, borrower counseling, creative credit packages and/or resolution of distressed accounts if needed. You will assist with the prevention of loans entering special classification and the reduction of non-earning assets through restructuring, borrower counseling, and resolution of distressed and delinquent accounts.

Areas of Responsibility:

• Will act as a key influencer with Customers and Ag Relationship Managers and work with Credit Analysts and Management in assigned regions to address customer situations in or approaching the need to refer to the Special Assets team.
• Establishing and maintaining sound credit and loan administration/pricing, along with credit quality goals.
• Establishing appropriate loan terms and conditions to manage the loan risks for a variety of loans.
• Serve as a specialized resource focused on the retention and improvement of distressed and/or assigned accounts not assigned to the Special Assets team.
• Monitors assigned accounts.
• Partners with the Special Assets Team Lead and aligns with key credit strategies with Regional Sales Team.
• Analyzes credit/operation of assigned customers.
• Provide Ag Relationship Managers support through coaching, coordinating, and delivering both individual and group training as needed and as directed by Leadership.
• Provide key insights, counsel, and direction on assigned to relevant accounts, and supporting communications as needed, to best position the Ag Relationship Managers as the primary contact with the customer.

Requirements:

• Bachelor's degree in Business Administration, Agriculture Economics, Finance, or related field.
• Generally, at least 8 years of lending/credit analysis experience.
• Ability to perform a greater level of activities, and independently handle complex credits.
• Proficient in accessing loan applications and making informed credit decisions.
• Highly skilled in selling, negotiating, and identifying customer needs.
• Excellent negotiation skills and the ability to probe for customer needs.
• Ability to analyze and develop solutions to complex problems.
• Excellent interpersonal, communication, and organizational skills.
• Excellent skills in judgment, decisiveness, and analysis and ability to appropriately respond and react quickly as situations dictate.
• Adaptable and flexible to a changing work environment.
• Prolonged periods sitting at a desk and working on a computer.
• Regular, predictable, and reliable attendance is required.
• Complies with the Association's Standards of Conduct Policy.

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 in 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 maternity and bonding leave
• Paid short-term disability
• Fun and inclusive work environment

Salary Range: $62,300 - $90,000, depending on experience.

Equal Opportunity Employer including veterans and individuals with disabilities.