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Horizon Farm Credit · 1 day ago

Credit Analyst

Huntingdon, PA

Full-time

Hybrid

Mid Level

Horizon Farm Credit is actively recruiting for an experienced Credit Analyst to join their team. The role involves analyzing and underwriting loans, collaborating with Relationship Managers, and promoting financial services to support agriculture and rural communities.

BankingFinanceFinancial Services

Responsibilities

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 compliance

Qualification

Credit analysisFinancial analysisAgricultural credit experienceCommercial credit experienceAnalytical skillsDetail-orientedOrganizational skillsCollaboration

Required

Experience as a Credit Analyst

Organized and detail-oriented

Analytical skills

Agricultural or commercial credit analysis experience

Ability to analyze financial information including 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 other necessary schedules

Ability to prepare a loan narrative summarizing financial analysis and addressing the five C's of credit

Ability to collaborate with Relationship Managers

Familiarity with internal credit practices, loan products, and compliance