Credit Analyst

Horizon Farm Credit • Chambersburg, PA • 2h ago

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? Overview: Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join our team. Qualified candidate may work in the Mount Joy, PA, Chambersburg, PA, Mechanicsburg, PA, Reedsville, PA or Winchester, VA 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. Our ideal candidate is an experienced, organized, detail-oriented, and analytical Credit Analyst with agricultural or commercial credit analysis experience. This is a great opportunity to make a difference for agriculture and rural communities. Position Description: 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 accurately and efficiently analyze and underwrite loans in a sound manner to prospective and existing borrowers. You will work closely with Relationship Managers to structure, condition, and approve credits for our borrowers. Develop relationships with large and/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. 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. Actively collaborate with Relationship Managers to finalize credit recommendations. Obtain necessary delegated authority for loan approvals. Continue to study and be familiar with internal credit practices, loan products and complia To view the full job description please use the link below. https://www.aplitrak.com/?adid=YmJnZW5lcmljLjc0ODUwLjEwODY1QGFnZmlyc3Rjb21wLmFwbGl0cmFrLmNvbQ

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