Credit Resolution Officer

Horizon Farm Credit; Mechanicsburg (Cumberland County); Hybrid; USD 70,000 - 100,000; Full time

Job summary

Horizon Farm Credit is seeking a Credit Resolution Officer to join our team. The position can be based in Mechanicsburg, PA (preferred), Westminster, MD, Denton, MD, or Winchester, VA with a hybrid work schedule.

You will work with Ag Relationship Managers, Customers, Credit Analysts, Regional Credit Officers, Special Assets and Regional Management to return loans to a viable financial position through restructuring, counseling, and creative credit packages as needed.

Qualifications

• Bachelor's degree in Business is required.

Responsibilities

• Collaborate with Ag Relationship Managers, customers, and credit analysts to return loans to viable positions through restructuring and borrower counseling.
• Assist in preventing loans from entering special classifications and reduce non-earning assets through restructuring and distressed account resolution.
• Monitor assigned accounts and support regional management with credit strategies and training for staff.

Education

Bachelor's degree in Business

Job description

Are you looking for a new opportunity with the ability to work in a collaborative team environment, that provides a great work/life balance, and the chance to make a difference?

Overview

Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, or Winchester, VA branch location. The hours of operations are typically Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule.

Position Description

In this position, you will work directly with Ag Relationship Managers, Customers, Credit Analysts, Regional Credit Officers, Special Assets, and Regional Management to return a loan to a viable financial position through restructuring, borrower counseling, creative credit packages and/or resolution of distressed accounts if needed. You will assist with the prevention of loans entering special classification and the reduction of non-earning assets through restructuring, borrower counseling, and resolution of distressed and delinquent accounts.

Areas of Responsibility

• Act as a key influencer with Customers and Ag Relationship Managers and work with Credit Analysts and Management in assigned regions to address customer situations in or approaching the need to refer to the Special Assets team.
• Establish and maintain sound credit and loan administration/pricing, along with credit quality goals.
• Establish appropriate loan terms and conditions to manage loan risks for a variety of loans.
• Serve as a specialized resource focused on the retention and improvement of distressed and/or assigned accounts not assigned to the Special Assets team.
• Monitor assigned accounts.
• Partner with the Special Assets Team Lead and align with key credit strategies with Regional Sales Team.
• Analyze credit/operation of assigned customers.
• Provide Ag Relationship Managers support through coaching, coordinating, and delivering both individual and group training as needed and as directed by Leadership.
• Provide key insights, counsel, and direction on assigned accounts, and support communications as needed, to best position the Ag Relationship Managers as the primary contact with the customer.

Requirements

• Bachelor's degree in Business