Relationship Manager

Relationship Manager

We are searching for a self-motivated, highly driven individual to join our fast-paced team environment. The Relationship Manager will report directly to the Director of Relationship Management. Our Relationship Managers develop new business, maintain and service a portfolio of both commercial and mortgage loans.

Essential Responsibilities:

• Develops new business opportunities by actively engaging in the community, building relationships with realtors, attorneys, and other professionals, and utilizing landowner publications and public records to identify prospective customers.
• Represents the Association at community events, seminars, conferences and similar events
• Identifies opportunities to cross sell leasing and cash management services
• Participates in and contributes to local community organizations

New Loan Generation:

• Contacts current and potential customers to understand their needs and explain the Association's products and services
• Obtains customers' financial information and provides to Credit function for assessment
• Analyzes financial and operational information to form overall assessment of the customer's operation
• Approves loans within credit authority with the recommendation of the credit function
• Presents recommended loan structure and pricing to the loan committee for loans above their individual credit authority
• Notifies customer of decision

Portfolio Management:

• Monitors loans
• Refinances loans
• Calls on delinquent accounts to develop a plan to resolve delinquency
• Collects on delinquent accounts
• Focus on member outreach to build and maintain strong customer relationships
• Develop loan servicing and marketing plans for customers
• Upgrades and downgrades risk ratings

Data Security and Confidentiality:

• Appropriately protects the confidentiality, security, and integrity of the Association's systems and data and clients' data

Knowledge, Skills, and Abilities:

• General knowledge of agriculture
• Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save basic documents
• Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to advance the organization's interests and increase personal efficacy
• Skill in prioritizing assignments to complete work in a timely manner
• Skill in analyzing information to formulate logical and objective conclusions
• Skill in applying processes and procedures to factual data to make a logical decision
• Skill in reading and understanding income statements, balance sheets, and other financial reports
• Skill in listening and conveying awareness of a customer's problem or issue to find resolution
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers

Minimum Qualifications:

• 2 years of agriculture lending experience
• Or an equivalent combination of education and experience sufficient to perform essential functions of the job
• General knowledge of agriculture
• Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save basic documents
• Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to advance the organization's interests and increase personal efficacy
• Skill in prioritizing assignments to complete work in a timely manner
• Skill in analyzing information to formulate logical and objective conclusions
• Skill in reading and understanding income statements, balance sheets, and other financial reports
• Skill in listening and conveying awareness of customer's problem or issue to find resolution
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers

Scope of Responsibility:

Measure - Relationship Manager

Loan Complexity - Traditional loans without significant variables

Credit Authority - Level 1

Physical Requirements:

• Positions in this class typically require keying, talking, hearing, seeing, and repetitive motions
• Sedentary Work: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time Jobs are sedentary if walking and standing are required only occasionally, and other sedentary criteria are met
• The employee is required to have close visual acuity to perform an activity such as preparing and analyzing data and figures; transcribing; viewing a computer screen; and/or extensive reading

Compensation / Pay Rate (Up to): $25.00 - $33.00