Home & Land Loan Officer

Horizon Farm Credit•Chambersburg, PA

1d•Hybrid

About The Position

Horizon Farm Credit is seeking a Home & Land Loan Officer to join our Home & Land Lending team. This position reports to the Home & Land Lending Manager and may work in either the Chambersburg, York, or Mechanicsburg, PA office locations. This position will mainly service the York and Cumberland County area. This position is eligible for a hybrid work schedule after 6 months of successful employment. Our ideal candidate is a confident financial professional with strong relationship‑building skills and a passion for helping rural residents and part‑time farmers achieve their property ownership goals. In this role, you will deliver sound credit and financial solutions while developing new business and strengthening referral relationships within your territory. You will utilize Horizon’s structured sales dialogue framework to guide borrower conversations, uncover financial needs, and identify desired outcomes—while promoting related products and services and representing Farm Credit positively in the community.

Requirements

Bachelor’s degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or a related field.
Generally, one to five years of related lending, sales, or financial services experience preferred.

Nice To Haves

Strong interpersonal and communication skills with the ability to manage challenging customer situations.
Ability to develop and maintain referral networks and practice effective territory management.
Basic knowledge of lending principles and related financial products and services.
Proven sales and relationship‑building skills.
Ability to manage customer relationships and loan portfolios with moderate supervision.
Willingness to spend time meeting with customers, prospects, and referral partners.
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.

Responsibilities

Loan Processing & Servicing - Develop and close Home and Land loans within delegated authority, ensuring complete and accurate loan files while meeting volume and quality expectations. Provide guidance to customers seeking financial solutions.
Marketing & Business Development - Originate new Home and Land loans and grow existing relationships with rural residents and part‑time farmers. Build strong referral networks and grow business within the assigned territory.
Customer Service - Build strong internal and external relationships and deliver exceptional, timely customer service. Meet with customers to review documentation and obtain signatures while ensuring a professional and positive experience.
Financially Related Services & Credit Analysis - Interview applicants, analyze complete and accurate financial information using the five credit factors, determine credit risk, communicate credit decisions, and inspect or appraise collateral as needed.