Ag Relationship Manager

Horizon Farm Credit, ACA; Meadville (Crawford County); Hybrid; USD 50,000 - 77,000; Full time

Benefits offered by this job

Medical insurance

401(k) with employer matching

Paid time off

Tuition reimbursement

Job summary

Horizon Farm Credit is seeking an Ag Relationship Manager in Meadville, PA to serve farmers and agribusinesses with tailored financial solutions. You will develop credit-worthy relationships, analyze data, and provide loan strategies that support sustainable growth in agriculture.

You will work with a regional team to originate and manage a diverse portfolio, travel to clients as needed, and promote related services while upholding regulatory standards and Horizon's values.

Qualifications

• Bachelor's degree or equivalent in business, agriculture, economics, or finance.
• Up to eight years of related experience in sales or commercial lending.
• Strong interpersonal and written/verbal communication abilities.
• Knowledge of agricultural lending and financial products.
• Ability to travel and manage a portfolio with supervision.

Responsibilities

• Develop new business by pursuing individual and business customers in the community.
• Expand relationships by matching bank products to customer needs.
• Gather and analyze credit data using the five factors under differential analysis.
• Determine credit risk and set/renegotiate terms.
• Communicate decisions to loan applicants and originate loans under delegated authority.
• Service loans in portfolio and monitor quality; periodic outreach to customers.
• Promote solutions and maintain client relationships.

Skills

Interpersonal skills

Communication

Customer relationships

Sales ability

Credit analysis

Education

Bachelor's degree or equivalent experience in Business/Finance/Agriculture

Job description

Job Description

Join our team as an Ag Relationship Manager and help farmers and agribusinesses thrive by providing tailored financial solutions that support sustainable growth and innovation in the agricultural sector. Overview: Horizon Farm Credit is recruiting for an Ag Relationship Manager to join our lending team. The qualified candidate will work in our Meadville, PA branch location and will primarily service Clarion, Jefferson, and Clearfield Counties. This position is eligible for a hybrid work schedule. This is a great opportunity to make a difference in agriculture and rural communities. Our ideal candidate brings strong financial acumen, a genuine passion for agriculture, the ability to contribute to managing a diverse portfolio and a commitment to helping farmers achieve their goals through personalized loan solutions.

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 formulate business development strategies, develop customer relationships, and actively manage an assigned portfolio. You will promote related services by participating in public relations activities and create a favorable Farm Credit image in the community. You will assist the regional team and Association in meeting its goals and objectives through effective teamwork, cooperation, and communication.

Areas of Responsibility Include:

• Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community.
• Expand existing relationships by proactively researching customer needs and matching bank products and services to those needs.
• Interview applicants, gather, analyze, and reconcile complete, accurate credit and financial data including complete applications using the five credit factors under the guidelines of differential analysis.
• Determines credit risk and makes timely and accurate decisions. Establishes and renegotiates credit terms, when necessary.
• Communicates credit decisions to loan applicants within required timeframes. Independently originates single entity loans up delegated authority.
• Services loans in a portfolio to retain high loan level quality. Review the progress of loans periodically. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems, or uncover opportunities for additional lending.
• Guides customers seeking solutions to financial problems.

Education

Bachelor's degree or equivalent experience in Business Administration, Agriculture Business Management, Economics, Finance, or related field.

Experience

Generally, minimum experience up to eight years of related experience in sales, commercial lending, the agriculture industry, or financially related experience.

Preferred Skills

• Proficient interpersonal relations and communication skills.
• Able to manage challenging customer situations.
• Thorough knowledge of agricultural lending and related financial products and services and selling skills.
• Capable of managing loans and customer relationships within the assigned portfolio under general supervision.
• Handles duties within the required time expectations, delivering excellent internal and external customer service.
• Excellent written and verbal communication skills with the ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit.
• Ability to be recognized as a trusted advisor to customers.
• Ability to spend a significant amount of time meeting with customers, prospects, and referral generators.
• Knowledge of agriculture preferred.
• Understand the local market and competition to carry out an effective individual sales plan (ISP) with direction from the supervisor.
• 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 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 maternity and bonding leave

Salary Range: $50,000 - $77,000, depending on previous experience. Opportunity to earn additional incentive.

Equal Opportunity Employer including veterans and individuals with disabilities.