Ag Relationship Manager

Horizon Farm Credit; Mount Joy (Lancaster County); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Horizon Farm Credit in Mount Joy, PA seeks an Ag Relationship Manager to support farmers and agribusinesses with tailored financial solutions. The role is based in Mount Joy with a defined Lancaster County territory and a hybrid work schedule after six months.

You will develop new business, expand existing relationships, and assess credit data to make informed lending decisions while servicing a diverse portfolio. A strong agricultural focus and financial acumen are essential.

Qualifications

• Strong financial acumen and ability to analyze complex financial data.
• Passion for agriculture and rural communities.
• Ability to manage a diverse loan portfolio and tailor solutions to farmers.
• Commitment to helping agricultural clients achieve their goals with personalized loan options.

Responsibilities

• Develop new business by engaging local farmers and agribusinesses.
• Expand existing relationships by assessing client needs and offering bank products.
• Interview applicants and gather credit data, applying five-factor differential analysis.
• Evaluate credit risk and make timely, accurate lending decisions.
• Negotiate terms and communicate decisions within required timeframes.
• Originating loans up to delegated authority and servicing them to maintain loan quality.

Skills

Relationship management

Financial analysis

Credit analysis

Agriculture knowledge

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 Mount Joy, PA branch location and will serve a territory within Lancaster County. The hours of operation are typically Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule after 6 months of successful employment. 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.

Responsibilities

• Develop new business by actively pursuing new individual and business customers and 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.
• Determine credit risk and make timely and accurate decisions.
• Establish and renegotiate credit terms when necessary.
• Communicate credit decisions to loan applicants within required timeframes.
• Independently originate single entity loans up to delegated authority.
• Service loans in a portfolio to retain high loan level quality.
• Review the progress of loans periodically.
• Make periodic calls on loan customers to evaluate management.

Link: https://www.aplitrak.com/?adid=YmJnZW5lcmljLjIzMzg4LjEwODY1QGFnZmlyc3Rjb21wLmFwbGl0cmFrLmNvbQ