Lead Relationship Manager, Water

CoBank; Greenwood Village (CO); Hybrid; USD 161,000 - 198,000; Full time

Benefits offered by this job

Hybrid work model

Tuition reimbursement

6% 401k matching and 3% non-elective"

Student Loan Match

Medical, Dental and Vision coverage

Job summary

CoBank is seeking a seasoned professional to manage profitability and credit quality for a large, complex loan portfolio in a dynamic banking environment. You will develop marketing and account servicing plans, mentor staff, and help drive growth across assigned markets and industry segments.

The role emphasizes negotiating multi-lender facilities, ensuring creditworthiness, and expanding relationships with customers and strategic partners while aligning with CoBank’s goals.

Education

Bachelor's Degree

Master's Degree or MBA

Job description

Benefits Overview

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best!

Benefits Offered by CoBank

• Careers with a purpose
• Time-Off Packages, 20 days of vacation, 10 paid sick days and 11 paid holidays
• Competitive Compensation & Incentive
• Hybrid work model: flexible arrangements for most positions
• Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• Robust associate training and development with CoBank University
• Tuition reimbursement for higher education
• Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
• Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups: creating a culture of respect and inclusion
• Recognize a fellow associate through our GEM awards

Job Description

Manages the overall profitability and credit quality of a large and complex loan portfolio. Recommends appropriate credit decisions. Develops and implements marketing and account servicing plans to capitalize on marketing opportunities within assigned markets and/or industry segments. Develops and supports the division's account management responsibilities. Develops new business and manages existing portfolio. Provides mentoring and coaching support to other staff.

Essential Functions

• Participates in establishing overall profitability targets for the portfolio in conjunction with bank/group profitability targets.
• Supports deal structuring and manages complex loan portfolio of various customer sizes with numerous relationships. Analyzes, structures, and obtains credit approval for transactions.
• Cross-markets all CoBank products and services to meet new business goals for assigned portfolio. Develops and implements plans to capitalize on marketing opportunities.
• Builds portfolio, manages relationships, and develops new business. Meets regularly with customers and other strategic partners to gather information on their businesses, needs, strategic direction, and earnings to determine business opportunities.
• Serves as primary negotiator on complex credits. Negotiates multi-lender credit facilities and inter-creditor agreements. Negotiates and documents terms and conditions.
• Supports loan recommendations at the highest lending approval level. Recommends actions in keeping with own analysis of credit worthiness. Prudently services loans to protect CoBank interests and minimize loan losses.
• Participates in planning activities for the group. Contributes expertise to the process on areas of responsibility.
• Understands competition’s terms and pricing and recommends changes on assigned portfolio to adjust to market.
• Maintains expertise in a designated market/industry segment and keeps abreast of industry trends, technology, regulatory requirements and the competitive environment. Studies industrial, commercial, and financial situations relating to new or existing businesses as requested. Makes recommendations on financial and organization structure, locations, and other business-related issues. Acts as a trusted advisor to customers.
• Ability to represent CoBank in a professional and informed manner at bank events and industry conferences without the need for oversight. Knowledge of CoBank and Farm Credit System is highly desirable.
• Participates in special projects, represents the team on CoBank task forces, and performs other duties as assigned.

Education

• Bachelor's Degree required
• Master's Degree or MBA preferred

Work Experience

• 12 years of experience preferably in banking or financial services industry, preferred
• Proven experience negotiating acceptable structures on large, complex credits.
• Extensive knowledge of non-recourse and structured financing techniques.
• Familiarity with inter-creditor agreements, syndications and loan participations.
• Broad knowledge of industries served as well as products and services similar to those offered by CoBank (including: cash management, leasing, tax-exempt bonds).
• Knowledge of technical standards in target industry.
• Knowledge of regional and national regulatory requirements.
• Demonstrated proficiency in cross-marketing.
• Ability to negotiate acceptable structures on large and complex credits.
• Excellent business acumen, and analytical, problem solving and decision making skills.
• Ability to multi-task, prioritize, manage projects and deliver on commitments within tight timeframes and competing priorities.
• Demonstrated leadership skills, with the ability to work independently as well as collaboratively in a team environment.
• Excellent interpersonal skills, with the ability to work collaboratively and build and maintain effective working relationships with all levels of associates, management, and internal customers across the bank, as well as external vendors and other stakeholders.
• Excellent organizational and time management skills, with the ability to deliver commitments while juggling multiple projects and priorities. Ability to work effectively under deadline pressures, and adjust quickly and effectively to changing priorities.
• Excellent verbal and written communication and presentation skills, with demonstrated ability to clearly articulate messages to a variety of audiences. Excellent active listening skills.
• Knowledge of Microsoft Office applications (Outlook, Word, PowerPoint, Excel, Access).

Physical Exertion Details

Light Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly (Constantly: activity or condition exists 2/3 or more of the time) to move objects. Physical demand requirements are in excess of those for Sedentary Work. Even though the weight lifted may be only a negligible amount, a job should be rated Light Work: (1) when it requires walking or standing to a significant degree; or (2) when it requires sitting most of the time but entails pushing and/or pulling of arm or leg controls; and/or (3) when the job requires working at a production rate pace entailing the constant pushing and/or pulling of materials even though the weight of those materials is negligible. NOTE: The constant stress and strain of maintaining a production rate pace, especially in an industrial setting, can be and is physically demanding of a worker even though the amount of force exerted is negligible.

Travel Requirement Details

Occasional Travel occurs infrequently (typically, once a month or less).

About CoBank

The typical base pay range for this role is between $161,100 - $198,100. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law.

CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.

REASONABLE ACCOMMODATION

We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing [e-mail]. Include your contact information and specific details about your requested accommodation.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

CoBank is an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.