JOB DESCRIPTIONAre you looking for a new opportunity that offers career development/training, the ability to work in a collaborative team environment, and a great work/life balance?Overview: Horizon Farm Credit seeks an Ag Relationship Manager to join our lending team and service Bedford County.The qualified candidate will work in the Martinsburg, PA branch. 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.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 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.
Monitors delinquent reports and counsels with customers to bring accounts current. Guides customers seeking solutions to financial problems.
Education
Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or related field.
Experience
Generally, two to five 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.
Basic 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 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 market development plan (MDP) 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 deemed necessary.
Regular, predictable, and reliable attendance is required.
Who a e 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
Paid short-term disability
Fun and inclusive work environment
Salary Range: $49, 200 - $75,400, depending on previous experienceEqual Opportunity Employer including veterans and individuals with disabilities.
