Credit Analyst

Horizon Farm Credit; United States; Hybrid; USD 51,900 - 86,400; Full time

Benefits offered by this job

Medical insurance, including dental and vision

401(k) with employer matching

Paid time off and holidays

Tuition reimbursement

Leadership and career development opportunities

Job summary

Horizon Farm Credit is seeking an experienced Credit Analyst to join their team, with options to work from Mechanicsburg, Reedsville, Frederick, or Winchester. This role involves conducting detailed credit analysis and working closely with Relationship Managers.

The ideal candidate should possess significant experience in credit analysis, particularly in agriculture. Benefits include health insurance, retirement matching, and career development opportunities, with a competitive salary range from $51,900 to $86,400.

Qualifications

• Minimum of three years of agricultural or commercial credit analysis/underwriting experience.
• Requires sound credit judgment and differential credit skills.

Responsibilities

• Analyze financial information, trends, and loan narratives.
• Collaborate with Relationship Managers on credit recommendations.
• Manage loan underwriting pipeline effectively.

Skills

Attention to detail

Strong analytical skills

Effective communication

Computer proficiency

Adaptability

Education

Diploma or related field

Job description

Overview

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mechanicsburg, PA; Reedsville, PA; Frederick, MD; or Winchester, VA branch locations. 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. The ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities.

Position Description

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 accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/or complex customers to more accurately and efficiently analyze the credit. Promote related services, participate in credit decisions, and maintain a favorable Farm Credit image.

Areas of Responsibility

Based on Size, Scope, and Risk in the overall credit facility; complete the following:

• Analyze financial information – accurately complete historical trends, pro‑forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default, source and use table, commodity worksheets, and any other necessary schedules, worksheets, and/or template tools available to adequately support the overall credit recommendation.
• Prepare a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C’s of credit, highlighting credit strengths and documenting credit weaknesses to support the credit recommendation.
• Actively collaborate with Relationship Managers to finalize credit recommendations.
• Obtain necessary delegated authority for loan approvals.
• Continue to study and be familiar with internal credit practices, loan products and compliance standards to ensure sound and eligible credit decisions.
• Effectively manage loan underwriting pipeline and meet targeted turnaround time for loan decisions. Maintain high level of communication with lending and operations.
• Assist as needed in the preparation of larger loan packages. Help monitor larger accounts for compliance to loan covenants and other ongoing conditions of the loan approval.
• Participate in continued education of agricultural industry trends/news.
• Participate in association initiatives and engage regularly with cross‑functional teams.
• Other projects and/or research as assigned.

Requirements

• Diploma or related field.
• Generally, a minimum of three plus years of agricultural or commercial credit analysis/underwriting experience is preferred.
• Must possess sound credit judgment and differential credit skills to complete accurate and timely credit package.
• Ability to effectively communicate (verbal and written) with a large, geographically diverse team of co‑workers.
• Strong analytical and computer skills.
• Adaptable and flexible to a changing work environment.
• Prolonged periods of sitting at a desk and working on a computer.

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.

Benefits

• 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 parental leave and short‑term disability
• Fun and inclusive work environment

Compensation

Salary Range: $51,900 – $86,400, depending on previous experience. Opportunity to earn additional incentive.