Ag Relationship Manager

AgFirst; Pennsylvania; Hybrid; USD 52,000 - 92,000; Full time

Benefits offered by this job

Medical insurance including dental & V

401(k) with strong employer matching

Paid time off & holidays

Tuition reimbursement

Student loan reimbursement

Career development opportunities

Maternity and bonding leave

Job summary

Horizon Farm Credit seeks an Ag Relationship Manager to serve farmers and agribusinesses with tailored loan solutions in a hybrid role based in Coudersport, PA. You will develop client relationships, assess credit data, and manage a diversified portfolio within regulatory guidelines.

Ideal candidates will have a passion for agriculture, strong financial acumen, and the ability to collaborate with a regional team to meet growth and service goals in rural communities.

Qualifications

• Bachelor's degree or equivalent experience in business, agriculture, economics, finance, or related field.
• Zero to eight years of related experience in sales, commercial lending, agriculture, or finance.
• Strong interpersonal/communication skills and knowledge of agricultural lending.

Responsibilities

• Develop new business by pursuing individual and business customers and by engaging with the community.
• Analyze credit data and reconcile applications using standard credit factors.
• Determine credit risk and establish or renegotiate terms.
• Originate loans within delegated authority and service a portfolio to maintain quality.
• Promote related services and participate in public relations to enhance Farm Credit image.
• Support regional team goals through teamwork and communication.

Skills

Interpersonal skills

Communication skills

Sales & business development

Portfolio management

Credit analysis

Customer service

Agricultural lending knowledge

Travel readiness

Education

Bachelor's degree or equivalent experience

Tools

CRM software

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 Coudersport, PA branch location and will primarily service McKean, Potter, Elk, Cameron, Clearfield, and Northern Tioga 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 to 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, zero 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

The salary range for this position is $51,900 to $91,600, with a midpoint of $70,300. This range reflects current market compensation data and our commitment to competitive, equitable pay. The starting rate is based on the applicant's relevant experience, qualifications, and internal equity considerations. Most new hires are offered a starting rate between the minimum and midpoint of the range, although placement elsewhere in the range may be appropriate based on the candidate's qualifications and experience.

Equal Opportunity Employer including veterans and individuals with disabilities.