Director of Regional Banking - Valley Region

American AgCredit; Stockton; On-site; GBP 118,000 - 226,000; Part time

Job summary

Join a leading national financial organization that supports agriculture. This role involves managing commercial and mortgage lending, leading a sales team, and ensuring compliance with policies. Ideal candidates will have extensive banking experience and strong leadership skills. Enjoy a family-friendly work environment with generous benefits, including medical coverage and a competitive incentive compensation plan.

Benefits

Medical, Dental and Vision coverage

401k with employer contribution

Generous Paid Time Off

Disability & Life Insurance

Employee wellness programs

Qualifications

• Minimum ten years of banking or agricultural lending experience.
• At least five years in a supervisory or management position.

Responsibilities

• Manage administration and extension of commercial and mortgage lending.
• Develop new business through marketing calls and community involvement.
• Supervise Relationship Managers and ensure effective sales management.

Skills

Communication

Leadership

Financial Analysis

Credit Risk Assessment

Negotiation

Education

BA/BS degree in Agribusiness or Business Administration

Tools

PC

Job description

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k - automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 26 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

BASIC FUNCTION:

This position is responsible for managing the administration and extension of commercial and/or mortgage lending within delegated authority, including sales leadership, planning, human resources administration and development, and compliance with policies and procedures. Also responsible for facilitating the origination of large and complex commercial and/or real estate loan applications, recommending loan approval/denial above lending authority, and reviewing loan recommendations of others. Services assigned loans, and develops and markets new business. Manages a large region or sales team with numerous Lenders (typically 6 - 12). May supervise one or more Relationship Managers.

ESSENTIAL DUTIES:

• Functions as a Credit and Sales leader across all retail customer segments. Coordinates sales efforts across all customer segments. Promotes and aligns the organizational sales and credit culture including execution of the established "risk appetite." Ensures effective sales management practices are followed, resulting in planned sales activity. Holds staff accountable for good performance.
• Develops new business by conducting marketing calls, providing expertise and involvement in community and designated industry functions, and providing timely service to customers. Manages other Lenders by providing leadership and guidance in their relationships with customers and marketing techniques. Works with Sales Manager in full implementation of CRM system.
• Manages administration and extension of commercial and/or mortgage loans in accordance with established policies and procedures for multiple branches. Maximizes earnings from region and individual loan portfolio through effective and efficient management practices.
• Prepares input for Association business plan and supporting budgets, strategies, and action plans.
• Effectively manages delinquent loan servicing. Proactively directs early intervention and communication with "distressed" borrowers. Directs loan servicing actions or restructures on a "win-win" basis and prevents viable borrowers from going non-accrual.
• Coordinates with the Special Assets Group, facilitating efficient transfers of loans when necessary.
• Manages individual and region loan portfolios, including assessing credit quality, loan performance, analyzing risk, and preparing credit status reports. Promotes sound new business and financially related services.
• Develops and recommends regional budgets. Monitors performance and initiates corrective action as required.
• Performs other functions assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Directly supervises Relationship Mangers in multiple locations. Collaborates with other Regional Banking Managers. Makes independent decisions and works under administrative direction and supervision of Regional Banking Executive.

TYPICAL EDUCATION AND EXPERIENCE:

• BA/BS degree with emphasis on agribusiness, business administration, or equivalent.
• Minimum ten years of progressively responsible banking or related agricultural lending experience, including at least five years in supervisory and/or management position.
• Demonstrated expertise of credit administration, financial analysis, credit analysis, credit risk assessment, loan portfolio management, budgeting, and managing staff.
• Working knowledge of agricultural lending principles and practices, and Association and Farm Credit system operating policies and procedures.
• Demonstrated ability to make sound decisions within delegated authorities and time pressures. Demonstrated planning and organizational skills.
• Exceptional written and verbal communication skills.
• High level of objectivity, tact, and diplomacy to establish and maintain effective on-going relationships with Association personnel, the bank, regulatory agencies, and borrowers.
• Exceptional persuasive and interpersonal skills. Demonstrated proficiency in leading and motivating others.
• Proficient in the use of PC, including word-processing, e-mail, and electronic spreadsheet software.

ESSENTIAL REQUIREMENT:

Must have the ability to perform basic office tasks, work in an office or outdoor setting, and be able to sit at a desk and work at a computer for an extended period of time. This job regularly requires the employee to visit job sites and must be able walk, sit, crouch, kneel, crawl, reach, and be able to lift up to 25 pounds. Ability to navigate around construction equipment and business materials is required. Must have the ability to walk for some distance, more than a mile, during or getting to an inspection. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit, and use their hands and fingers, and reach in all directions is essential in performance of the job. Some travel required and must have a valid C Class driver's license. Work during established business hours and may require occasional weekend and/or evening work.

PART-TIME REMOTE/HYBRID: These employees will work partly remote and partly onsite. Part-time remote employees will work with their managers to determine when and how often they are needed onsite.

PAY RANGE:

Minimum $118,941.90 - Max $225,989.60 Annual

This range is reflective of the national salary average for this position and will be adjusted using geographic variance for physical location of the hired candidate. American AgCredit may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

• Reflected is the national base pay range and title offered for this job at the current level.

• Compensation, title, and job level may be adjusted based on candidate qualifications including but not limited to achievements, skills, experience, or work location.

• Salary offered, within the applicable range, is one component of the total rewards package offered to candidates.

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above.

If you need assistance or an accommodation due to a disability, you may contact us at [e-mail].