Credit Analyst
Horizon Farm Credit, ACA

Job Info

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JOB DESCRIPTION

Are you looking for a new opportunity that offers career development/training, ability to work in a collaborative team environment, and provides great work/life balance?

Qualified candidate may work in the Mount Joy, PA, Lewisburg, PA or Mechanicsburg, PA 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 hybrid work schedule after 6 months of successful employment. This is a great opportunity to make a difference for agriculture and rural communities.

This position will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. Accurately and efficiently analyzes and underwrites loans in a sound manner to prospective and existing borrowers. Works closely with loan officers to structure, condition, and approve credits for our borrowers. Develops relationships with large or complex customers to more accurately and efficiently analyze the credit. Promotes related services, participates in credit decisions, and maintains a favorable Farm Credit image. Provides training and guidance to less tenured staff.

Areas of Responsibility Include but not limited to:

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
• Continue to study and be familiar with internal and external credit practices, loan products, and compliance standards to ensure sound and eligible credit decisions
• Actively collaborate with Loan Officers to finalize credit recommendations
• Actively collaborate with Processors to ensure effective processes are in place for positive loan processing and closing results
• Obtain proper delegated authority approval on credit recommendations
• Quality review your work; ensure PD/LGD ratings are accurate, underwriting exceptions are documented, loan structure, and covenants are appropriate given the Size, Scope, and Risk
• 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 on-going conditions of the loan approval. Other projects and/or research as assigned.

REQUIREMENTS:

• Bachelor's degree in Business Administration, Agriculture, Economics, or Finance.
• Generally, two to eight years of credit analysis/underwriting experience preferred.
• Must possess sound credit judgement and differential credit skills to complete accurate and timely credit package.
• Strong verbal and written communication skills.
• A thorough knowledge of agricultural lending and related financial products, services, and selling skills.
• Strong analytical and computer skills.
• May specialize in a particular industry and serve as an association resource.
• Participates in association initiatives and engages regularly with cross-functional teams.

Salary Range: $49,200 - $75,400, depending on previous experience.

Equal Opportunity Employer including veterans and individuals with disabilities.

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