Relationship Manager

Relationship ManagerAgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System – the leading provider of credit to American agriculture.AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.We are in search of a Relationship Manager I or Relationship Manager II to join our Credit Resolution Team in either our Paso Robles or Rocklin, California branches. This full-time position reports to the SVP, Lending and is accountable for ensuring timely correction and collection of adversely classified loan portfolio through proactive service and management.Compensation InformationThe base salary range for this position in Paso Robles, California is:Level I: Typical starting range: $72,600 - $97,800 Full base salary range: $72,600 - $110,400 Annual performance-based incentive target is 12% of base.Level II: Typical starting range: $80,000 - $110,100 Full base salary range: $80,000 - $137,800 Annual performance-based incentive target is 15% of base.The base salary range for this position in Rocklin, California is:Level I: Typical starting range: $75,700 - $101,600 Full base salary range: $75,700 - $114,600 Annual performance-based incentive target is 12% of base.Level II: Typical starting range: $83,100 - $114,600 Full base salary range: $83,100 - $144,100 Annual performance-based incentive target is 15% of base.*Relocation assistance will be provided to eligible candidates who must relocate to accept this position.Essential DutiesManage assigned loan portfolio, primarily consisting of adversely classified production agriculture accounts, assure timely servicing and resolution of delinquencies or defaults, and, when appropriate, upgrade and transfer accounts back to lending staff.Analyze and service larger loan relationships with increasing complexity and risk profile, monitor for loan performance; prepare high-quality credit packages.Perform comprehensive financial analysis that results in sound credit recommendations that manage organization risk and provide a path to resolution of higher risk loan relationships.Make quality credit decisions to ensure acceptable loan administration and approve or recommend loan actions within delegated authority.May participate in acquired property management, as assigned.Maintain effective relationship management including analyzing, interpreting, and presenting financial information; and meeting with and negotiating terms and conditions with assigned accounts, which may include attending meetings with legal counsel and customers.Accurately classify loans and loan data attributes including recommended charge-offs/reserves, cash income accounting and allowances on assigned loans; and accurately report portfolio quality, statistics, and loan activity to supervisor.Collaborate with the Lending and Insurance Group participating in large OAEM servicing/shadowing to assure sound risk management and guidance for high-risk credit relationships with an above average potential of downgrade to an adversely classified loan classification.Establish valuations of real estate, personal property and other collateral, effectively utilizing loan pricing programs, models, and tools.Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.Gather financial information and assist in credit investigations, public record searches, employment/income verifications, and customer visits.Handle customer information with a high degree of confidentiality; follow appropriate information security protocols; ensure media inquiries and requests are referred to appropriate staff.Represent and communicate the values, purpose, and mission of AgWest to employees, customers, the public, and other target audiences.Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.Other duties as assigned.Travel RequirementsWillingness and ability to travel up to 15%, including overnight travel throughout the AgWest territory.AgWest employees may occasionally be asked to travel for all-staff or team meetings not included in the standard travel requirements for the role.Minimum QualificationsBachelor's degree in business, economics, finance or equivalent, or an equivalent combination of education and experienceGenerally, requires at least two years' progressively complex professional experience, preferably in banking or credit including restructuring, knowledge of borrower rights, and acquired property managementAbility to understand and interpret increasingly complex financial statements, loan documents and collateral documents, and draw appropriate conclusionsSolid understanding of bankruptcy and foreclosure processes and lawsAbility to effectively communicate and negotiate terms on behalf of the organization, both verbally and in writingAbility to implement effective control and monitoring proceduresKnowledge of real estate market and real estate lawWorkplace FlexibilityAfter an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.Benefits Offered by AgWestMedical, dental, and vision insuranceBasic term life and AD&D insurance (fully paid for by the company)Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer401(k) plan (6% match plus 3% employer contribution)Employee Assistance ProgramWellness ProgramJeans are welcome at work every day at AgWest!*Vacation accrual rates increase with tenure.