Ag Relationship Manager

Horizon Farm Credit; Meadville (Crawford County); Hybrid; USD 70,000 - 105,000; Full time

Job summary

Horizon Farm Credit in Meadville, PA seeks an Ag Relationship Manager to provide tailored financial solutions for farmers and agribusinesses. You will assess credit risk, manage a diverse loan portfolio, and develop local business through community engagement.

The role emphasizes strong financial acumen, agriculture knowledge, and the ability to grow and maintain customer relationships while delivering sound credit decisions within regulatory guidelines.

Qualifications

• Strong financial acumen and ability to assess credit risk.
• Passion for agriculture and agribusiness.
• Experience in managing a diverse loan portfolio.
• Commitment to helping farmers achieve goals through tailored loan solutions.

Responsibilities

• Develop new business by engaging local farmers and agribusinesses.
• Expand relationships by aligning bank products with customer needs.
• Interview applicants and analyze credit data under policy guidelines.
• Determine credit risk and make timely, accurate credit decisions.
• Renegotiate terms when necessary and communicate decisions to applicants.
• Originate and service loans while maintaining high loan quality.

Skills

Financial analysis

Agriculture knowledge

Portfolio management

Credit evaluation

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 addi