Credit Analyst

$66,000 - $94,000/Yr

Aca - Frederick, MD

Full-time - Entry Level

Frederick, MD

Administrative and Support Services

About the position

Horizon Farm Credit is actively seeking an experienced Credit Analyst to join our team, with opportunities available at various branch locations including Mount Joy, PA, Lewisburg, PA, Mechanicsburg, PA, Reedsville, PA, and Frederick, MD. This position is designed for individuals who are looking for a collaborative team environment that promotes career development and offers a great work/life balance. The working hours are typically Monday to Friday from 8 a.m. to 4:30 p.m., and after six months of successful employment, the position is eligible for a hybrid work schedule. As a Credit Analyst, you will play a crucial role in delivering sound credit and financial services while adhering to regulations and policies. Your primary responsibilities will include analyzing and underwriting loans for prospective and existing borrowers, working closely with Relationship Managers to structure and approve credits. You will also be responsible for developing relationships with large and complex customers to enhance the accuracy and efficiency of credit analysis. This position not only allows you to contribute to the financial well-being of agriculture and rural communities but also offers a chance to engage in continued education regarding agricultural industry trends and participate in cross-functional team initiatives. In this role, you will be expected to manage the loan underwriting pipeline effectively, ensuring timely loan decisions while maintaining high levels of communication with lending and operations teams. You will also assist in preparing larger loan packages and monitoring compliance with loan covenants. This position is ideal for someone who is organized, detail-oriented, and possesses strong analytical skills, particularly in agricultural or commercial credit analysis.

Responsibilities

• Analyze financial information including historical trends, pro-forma projections, and debt repayment schedules.
• Prepare a loan narrative summarizing financial analysis and addressing the five C's of credit.
• Collaborate with Relationship Managers to finalize credit recommendations.
• Obtain necessary delegated authority for loan approvals.
• Study and familiarize with internal credit practices, loan products, and compliance standards.
• Manage loan underwriting pipeline and meet targeted turnaround times for loan decisions.
• Assist in the preparation of larger loan packages and monitor compliance with loan covenants.
• Participate in continued education of agricultural industry trends and news.
• Engage with cross-functional teams on association initiatives.

Requirements

• Bachelor's degree in Business Administration, Agriculture, Economics, or Finance.
• Minimum of two years of agricultural or commercial credit analysis/underwriting experience.
• Sound credit judgment and differential credit skills for accurate credit package completion.
• Effective verbal and written communication skills with a geographically diverse team.
• Strong analytical and computer skills.
• Adaptability and flexibility to a changing work environment.
• Ability to sit for prolonged periods and work on a computer.

Benefits

• Medical insurance with dental and vision care options
• 401 (k) with significant employer matching
• Paid time off, holidays, and volunteer time
• 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