Senior Manager, Agriculture Lending & Business Services

Your Neighbourhood Credit Union Limited; Canada; Hybrid; CAD 110,000 - 120,000; Full time

Benefits offered by this job

B Corp Certified

Competitive Compensation

7% Pension Match

Benefits paid by employer

Wellness & Employee Assistance Program

Training & Development Opportunities

Volunteer opportunities

Free banking account

Job summary

Your Neighbourhood Credit Union (YNCU) is seeking a Senior Manager, Agriculture Lending & Business Services to lead and expand our agriculture business. The role focuses on strategic growth, relationship management, and portfolio leadership across Ontario's agricultural sector.

The successful candidate will bring deep agricultural lending expertise, strong credit risk acumen, and a proven ability to develop new business and partnerships with producers and local communities.

Qualifications

• Post-secondary education in Agriculture, Business, Finance, Commerce or related discipline.
• Significant progressive experience in agricultural lending, commercial lending and agricultural account management.
• Deep experience managing complex agricultural lending relationships and portfolios.
• Strong experience in financial statement analysis, cash flow analysis, credit structuring and portfolio management.
• Must be able to travel regularly throughout YNCU's market and work outside normal hours when required.

Responsibilities

• Develop and implement action plans for small business and agricultural development.
• Conduct regular relationship reviews to identify lending, deposit, cash management, wealth opportunities.
• Establish YNCU as a trusted financial partner within the agricultural community.
• Maintain knowledge of Ontario agriculture and translate into actionable strategies.
• Travel throughout YNCU's market to meet members, prospects and partners.
• Structure and recommend complex agricultural credit facilities with sound analysis.

Skills

Agricultural lending

Commercial lending

Account management

Relationship management

Education

Post-secondary education in Agriculture, Business, Finance, Commerce or related discipline

Job description

Senior Manager, Agriculture Lending & Business Services

Senior Manager, Agriculture Lending & Business Services

Mitchell ON, and area (hybrid)
Regular Full-Time

Posting#: 26-80
Reportsto: Chief CommercialOfficer

Areyou a community-minded person that’s passionate about investing locally andgiving back to your community? Do you like working with other awesome andlike-minded people toward a common goal?

Hereat Your Neighbourhood Credit Union (YNCU), we are all about putting our moneywhere our mouth is and keeping our dollars local and investing back into ourmembers, staff, and community; and we are looking for people like you to joinour team.

The Role

The SeniorManager, Agriculture Lending & Business Services is responsible for leadingand expanding YNCU's agriculture business through strategic growth,relationship management, agricultural lending and portfolio leadership.

Thisrole will develop and execute YNCU's agriculture strategy with a focus on attracting newagricultural members, growing lending, deepening existing relationships andexpanding YNCU's agriculture model. The successful candidatewill bring deep agricultural lending and account management experience, strongcredit and risk expertise, and a proven ability to develop new business andbuild relationships within the agricultural community.

Asthe agriculture team grows, this role will assume increasing responsibility for leading,coaching and developing team members, while workingwithin the direction and strategic oversight of the Chief Commercial Officer.

This is ahighly visible, field-based role requiring regular day-to-day travel throughoutYNCU's market to meet members, prospects, agricultural businesses and communitypartners.

DUTIES & RESPONSIBILITIES:

StrategicGrowth

• Develop and implement action plans and small business and agricultural business development tactics based on established sales strategies.
• Bring market intelligence and community insights back to YNCU to inform strategy and business development

PortfolioManagement

• Conduct regular relationship reviews to identify lending, deposit, cash management, wealth and other opportunities.
• Increase share of wallet and relationship depth across YNCU's broader financial services.
• Establish YNCU as a trusted and recognized financial partner within the agricultural community.

IndustryKnowledge

• Maintain strong knowledge of Ontario agriculture, including the unique financial, operating and sector-specific risks facing agricultural producers and businesses and translate these into actionable business strategies.

RelationshipManagement

• Maintain a strong and visible presence and travel regularly throughout YNCU's market to meet members, prospects and community partners.
• Build trusted, long-term relationships with agricultural producers, farm owners and agricultural businesses through prospecting, referrals, centres of influence, industry networks and community relationships.
• Maintain and contribute to strong business relationships with industry partners and third-party vendors such as POS, Merchant Services, etc.
• Represent YNCU at agricultural events, industry functions and community activities.

Credit& Risk Management

• Structure and recommend complex agricultural credit facilities based on sound financial analysis, cash flow, collateral, repayment capacity and risk assessment.
• Ensure all small business and agricultural files are reviewed on a regular schedule and that all required documentation is in order; review loan risk and make short- and long-term recommendations on files posing potential risk problems
• Be aware of enterprise risk management issues as they relate to Lending Services and bring forward strategic and risk issues for discussion, review and solutions to the Chief Commercial Officer.

This position is for an existing vacancy within our team.

What we arelooking for:

• Ability to work outside of normal business hours when required
• Post-secondary education in Agriculture, Business, Finance, Commerce or a related discipline.
• Significant progressive experience in agricultural lending, commercial lending and agricultural account management.
• Deep experience managing complex agricultural lending relationships and portfolios.
• Strong experience in financial statement analysis, cash flow analysis, credit structuring and portfolio management.
• Thorough understanding of Ontario agriculture and the unique financial and operating characteristics of agricultural businesses.
• Strong understanding of commercial and agricultural credit risk, regulatory requirements, lending policies and risk controls within a regulated financial institution.
• Demonstrated success in business development, portfolio growth and new member acquisition.
  Previous leadership, coaching or people-development experience.
• Experience developing or implementing business or market development strategies.
• Agricultural, commercial lending or credit-related designations are considered an asset.
• Credit union or other regulated financial institution experience is preferred.
• Valid driver's licence and ability to travel regularly throughout YNCU's market.
• Must be bondable

Why work at YNCU?

YNCU employeesget to be a part of the growing credit union movement and help us get the wordout on why banking locally is so important. We’re your friendly, helpful, andfinancially savvy neighbour who provides tailored financial services to ourmembers, supports small businesses, creates local jobs, and gives back tocauses that matter. Through our Good Neighbours Employee Volunteer Program andMonthly Staff Donation Draws, we even let you choose the causes we donate toand support. YNCU is recognized for the following:

• B Corp Certified
• Competitive Compensation, Incentive Programs and Benefits
• 37.5-hour work week
• 7% matching pension
• Benefits are 100% paid for by YNCU
• Wellness Initiatives including our Employee and Family Assistance Program, premium membership for Calm, Consult+, and LIFT Virtual Fitness
• Training and Development Opportunities
• Community Sponsored Events Employee and paid Volunteer opportunities
• Opportunities to get involved with fun and meaningful committees
• Free banking account
• Discounted Employee Rates

Salary range: $110,000-120,000
The compensation offered tothe successful applicant for this role will be determined by the candidate’srelevant skills and experience and internal equity. More information about ourtotal rewards package will be available during the hiring process.

YNCU strives to be a diverse workplacereflective of the communities that we live in. We are committed to a diverseworkforce and invite everyone to apply. YNCU makes hiring decisions solely onqualifications, merit, and business needs at the time.

YNCU is an equal opportunity employerthat is committed to diversity and inclusion in the workplace. We prohibitdiscrimination and harassment of any kind based on race, colour, sex, gender,religion, sexual orientation, national origin, disability, pregnancy, or anyother protected characteristic as outlined by national, provincial, ormunicipal laws. This applies to all employment practices within ourorganization, including hiring, recruiting, promotion, termination, layoff,recall, leave of absence, compensation, benefits, and training.

Your Neighbourhood Credit Union willprovide accommodations for persons with disabilities, where needed, to supporttheir participation in our recruitment process. Please contact Human Resourcesat [e-mail].