Aca - Mount Joy, PA
posted 5 months ago
Horizon Farm Credit is actively seeking an experienced Credit Analyst to join our team, with the opportunity to work in various branch locations including Mount Joy, Lewisburg, Mechanicsburg, Reedsville, or Frederick. This role is designed for a detail-oriented and analytical professional who has a background in agricultural or commercial credit analysis. The Credit Analyst will play a crucial role in delivering sound credit and financial services while adhering to regulations and policies. The position is full-time, with typical hours from Monday to Friday, 8 a.m. to 4:30 p.m., and is eligible for a hybrid work schedule after six months of successful employment. In this role, the Credit Analyst will be responsible for accurately analyzing and underwriting loans for both prospective and existing borrowers. This includes developing relationships with large and complex customers to enhance the credit analysis process. The Credit Analyst will collaborate closely with Relationship Managers to structure, condition, and approve credits, ensuring that all credit recommendations are well-supported and documented. The position also involves preparing comprehensive loan narratives that summarize financial analyses, addressing the five C's of credit, and highlighting both strengths and weaknesses in creditworthiness. The Credit Analyst will be expected to manage the loan underwriting pipeline effectively, ensuring timely decisions while maintaining high levels of communication with lending and operations teams. Additionally, the role includes monitoring larger accounts for compliance with loan covenants and participating in ongoing education regarding agricultural industry trends. This position offers a unique opportunity to contribute positively to agriculture and rural communities while working in a supportive and collaborative team environment.