Corporate Loan Officer

Overview:Horizon Farm Credit is recruiting a Corporate Loan Officer to join our lending team. The qualified candidate may work in either the Mount Joy, PA, Mechanicsburg, PA, or New Stanton, PA branch location. 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. Our ideal candidate is an experienced professional with strong financial acumen, experience managing a large portfolio, and a commitment to helping Members achieve their goals through personalized loan solutions.

In this position, you will serve as the calling officer for the largest and most complex agribusiness borrowers of the Association. You will be responsible for developing relationships with corporate prospects and centers of influence, negotiating, and structuring the credits, and working with the Association to provide high-level servicing of the portfolio. You will be responsible for developing and implementing a dynamic marketing plan focused on achieving growth and profitability goals. 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 Association in meeting its goals and objectives through effective teamwork, cooperation, and communication.

Areas of Responsibility:

• Corporate loan officers will use their exceptional relationship-building skills to develop a pipeline of agribusiness prospects and strong industry connections.
  
  
  
  • Corporate loan officers are expected to uncover the largest lending opportunities within the footprint of Horizon Farm Credit and develop relationships with other FCS lenders to expand the geographic reach of the Association.
  • The corporate loan officer will proactively manage pipeline and sales activities.
  • Represent Horizon Farm Credit and the Farm Credit system with a high degree of professionalism and discretion in the marketplace.
  
  
  
  
• Corporate loan officers will negotiate credit facilities that align the needs of the borrower with the risk appetite of Horizon Farm Credit.
  
  
  
  • Corporate loan officers are expected to be an important resource to the Members within their portfolio and provide insight and service that allow their businesses to grow and thrive. This includes working with the Member to proactively identify future opportunities and borrowing needs.
  • Work directly on the negotiating terms and loan structuring and collaborate closely with the Corporate Underwriting team on credit analysis, covenant requirements, and servicing plans.
  
  
  
  
• Corporate loan officers are expected to operate with efficiency, respectfully utilizing their teammates and resources within the Association to provide an exceptional member experience.
• May provide training to less tenured staff.

Education:

• Bachelor's degree or equivalent experience in business, economics, finance, or agriculture.

Experience:

• Generally, a minimum of five years of commercial credit experience, preferably with some experience in an agricultural-related field.

Preferred Skills:

• Ability to strategically develop sales and marketing relationships.
• Superior written and oral communication skills.
• Employ a high degree of discretion regarding confidential member and industry information.
• Responsive and handles duties within the required time expectations.
• Familiarity with loan agreements, covenant enforcement, and reporting requirements.
• Proficient in collecting, analyzing, and understanding complex entities and credit structures.
• Ability to develop relationships within the Association and work with others respectfully with other departments to serve Members.
• Ability to establish priorities, take initiative, work under time pressures, and exercise independent judgment.
• Ability to spend a significant amount of time meeting with customers, prospects, and referral generators.
• Adaptable and flexible to a changing work environment.
• Ability to travel as necessary.
• Prolonged periods sitting at a desk and working on a computer.
• Ability to lift up to 15 pounds at times.
• Ability to be assertive and decisive in arriving at sound business decisions that serve the best interests of the association and borrower.

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
• Paid short-term disability
• Fun and inclusive work environment

Salary Range: $104,900 - $145,500, depending on previous experience.

Equal Opportunity Employer including veterans and individuals with disabilities.