Agriculture Relationship Manager

POSITION SUMMARY:

Responsible for managing and growing profitable ag banking relationships. Proactively meets with existing and prospective commercial customers. Provides timely and accurate lending and other banking solutions. Developed financial analysis skills to analyze complex credit requests in credit, cash flow, collateral, management, guarantors, and other risks to repayment. Responsible for leading, delegating, and supporting a team to effectively manage a loan portfolio of approximately $75MM to $100MM or approximately 150 to 200 commercial lending relationships.

ESSENTIAL FUNCTIONS

• Structure financing solutions for a wide variety of ag businesses.
  • Grow a loan portfolio that is primarily CDFI focused.
  • Negotiate fair terms for new and existing lending requests.
  • Drive the loan origination system to provide timely customer experience.
    • Manage all aspects of a portfolio including past dues, renewals, ticklers, covenant monitoring, risk rating identification, and new loan pipeline
  • Communicate effectively between internal and external customers
    • Provide leadership in the bank, in local civic and nonprofit organizations; to improve themselves, their co-workers, and their community.

      SECONDARY DUTIES

    • Celebrates the success of the team over individual success
  • Upholds values over individual success
  • Works effectively in a team environment
    • Effective organizational, multi-tasking and prioritizing skills all within a sense of urgency

BSA Requirements:

It is the responsibility of all employees to make all reasonable efforts to identify suspicious cash activity which may be associated with customer attempts to avoid the reporting requirements of the BSA or government or federal tax reporting, as well as potential money laundering resulting from criminal / illegal activities. All suspicious activity, regardless of the amount involved in the transaction, must be reported to a supervisor or Branch Manager for further investigation and possible reporting by the Bank Secrecy Officer to the Financial Crimes Enforcement Network (FinCEN).

No director, officer, employee, or agent who reports a suspicious transaction under the requirements of the BSA may notify any person involved in the transaction that the transaction has been reported.

Each employee of the bank shall be required to complete Bank Secrecy Act / Suspicious Activity training periodically which is commensurate with the duties of their position.

Required Qualifications:

• 5+ years of commercial/AG experience in one or a combination of portfolio management, commercial/AG lender, senior level credit analysis
• Proven track record of meeting or exceeding sales goals
• Proven track record of upholding values and strong moral character

  Desired Qualifications:

• A BS/BA degree or higher in Business Administration, economics, accounting, finance or other business related field.
• Formal credit training