Horizon Farm Credit

Join our team as an Ag Relationship Manager and help farmers and agribusinesses thrive by providing tailored financial solutions that support sustainable growth and innovation in the agricultural sector. Overview: Horizon Farm Credit is recruiting for an Ag Relationship Manager to join our lending team. The qualified candidate will work in our Bel Air, MD branch location and will service Harford and Cecil County. 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. This is a great opportunity to make a difference in agriculture and rural communities. Our ideal candidate is an experienced professional with a strong financial acumen, a passion for agriculture, experience managing a large portfolio, and a commitment to helping farmers achieve their goals through personalized loan solutions. 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 formulate business development strategies, develop customer relationships, and actively manage an assigned portfolio. 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 regional team and Association in meeting its goals and objectives through effective teamwork, cooperation, and communication. Areas of Responsibility Include: Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expand existing relationships by proactively researching customer needs and matching bank products and services to those needs. Interview applicants, gather, analyze, and reconcile complete, accurate credit and financial data including complete applications using the five credit factors under the guidelines of differential analysis. Determines credit risk and makes timely and accurate decisions. Establishes and renegotiates credit terms, when necessary. Communicates credit decisions to loan applicants within required timeframes. Independently originates single entity loans up delegated authority. Services loans in a portfolio to retain high loan level quality. Review the progress of loans periodically. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems, or uncover opportunities for additional lending. Guides customers seeking solutions to financial problems. Education Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or related field. Experience Generally, four to twelve years of related experience in sales, commercial lending, the agriculture industry, or financially related experience. Preferred Skills Proficient interpersonal relations and communication skills. Able to manage challenging customer situations. Thorough knowledge of agricultural lending and related financial products and services and selling skills. Capable of managing loans and customer relationships within the assigned portfolio under general supervision. Handles duties within the required time expectations, delivering excellent internal and external customer service. Excellent written and verbal communication skills with the ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit. Ability to be recognized as a trusted advisor to customers. Ability to spend a significant amount of time meeting with customers, prospects, and referral generators. Knowledge of agriculture preferred. Understand the local market and competition to carry out an effective individual sales plan (ISP) with direction from the supervisor. Adaptable and flexible to a changing work environment. Ability to travel to/from other branch offices, customer meetings, etc., as required. Regular, predictable, and reliable attendance is required. 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: $50,500 - $80,000, depending on previous experience. Opportunity to earn additional incentive. Equal Opportunity Employer including veterans and individuals with disabilities.