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Horizon Farm Credit · 1 week ago

Credit Administrator - FCE

Mount Joy, PA, United States

Full-time

Hybrid

Mid, Senior Level

$52K/yr - $77K/yr

5+ years exp

Horizon Farm Credit is recruiting for a Credit Administrator to join our Farm Credit EXPRESS (FCE) team. In this role, you’ll be at the center of equipment financing, reviewing applications and assessing credit history from credit reports, and using critical thinking skills to make recommendations that are within program guidelines.

BankingFinanceFinancial Services

Responsibilities

Evaluate credit scoring requirements and completing a credit approval summary

Complete additional financial analysis on larger transactions and more complex accounts. This would include:

Analyzing financial information – accurately complete historical trends, proforma, projections, debt repayment schedules, consolidations, Probability of Default templates, source and use, and any other necessary worksheets to adequately support the overall credit decision or recommendation

Preparing a loan narrative that provides an adequate summary of the financial analysis, addressing the applicable five C’s of credit, highlighting credit strengths and weaknesses that support the credit decision or recommendation

Become familiar with internal and external credit practices, commodities, products and compliance standards for the entire AgFirst District, to ensure sound and eligible credit decisions are made

Actively collaborate with peer credit administrators to ensure effective processes are in place for positive loan processing and closing results

Meet the target turn-around underwriting decision timelines, and appropriate follow up’s with ACA’s

Ensure loans meet the parameters of the approved programs

Train and mentor less tenured FCE credit staff

Review program reports and complete program reporting as needed for management

Assist the processing staff with credit related matters associated with applications

Other projects and/or research as assigned by management

Qualification

Credit analysisFinancial analysisCredit underwritingAgricultureGAAP knowledgeCommunication skillsProblem solving

Required

Bachelor's degree or equivalent experience in Finance, Accounting, Economics, or Business

Preferred

Generally, five or more years of commercial and/or agricultural credit underwriting experience preferred

Knowledge of agriculture preferred

Strong interpersonal relations and communication skills

Ability to be self-motivated with the ability to work independently

Possess strong problem solving, written and verbal communication skills

Self-starter, organized, detail oriented, dynamic, innovative, and quality/solution focused

Handles duties within the required time expectations, delivering excellent internal and external customer service

Willingness to be collaborative and ability to work in a team atmosphere

Strong knowledge and desire to continually study Horizon, AgFirst and FCA credit practices, policies and procedures, GAAP, and other general financial terms and trends in the overall lending industry; particular to Agri-Business and Commercial lending

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