Relationship Manager

AgWest Farm Credit; Billings (MT); On-site; USD 66,000 - 125,000; Full time

Job summary

AgWest Farm Credit in Billings, Montana, seeks a Relationship Manager I or II to join the Credit Resolution Team. This full-time role ensures timely correction and collection of adversely classified loan portfolio, with proactive management and strong relationship skills.

The position reports to the SVP, Lending, and offers a base salary with a 12%–15% annual incentive target. Relocation assistance is available for eligible candidates willing to relocate.

Qualifications

• Bachelor’s degree in business, economics, finance or equivalent, or an equivalent combination of education and experience.
• Basic understanding of financial statements and analysis.
• Ability to effectively communicate and negotiate terms on behalf of the organization for low complexity and smaller size relationships, both verbally and in writing.
• Ability to travel to perform certain required duties.
• Valid driver's license.

Responsibilities

• Participate in internal workgroups assuring annual analysis and confirmation of appropriate credit classification is completed.
• 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 customer meetings as assigned.
• Classify loans and loan data attributes including recommended charge-offs/reserves, cash income accounting and allowances on assigned loans, report portfolio quality, statistics, and loan activity to supervisor.
• Collaborate with the Lending and Insurance Group by 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.
• Develop and demonstrate a sound understanding of loan pricing programs, models and tools.
• 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 and ensure media inquiries and requests are referred to appropriate staff.
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• Represent and communicate the values, purpose, and mission of the organization 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.

Skills

Communication

Negotiation

Travel readiness

Driver's license

Education

Bachelor’s degree in business/economics/finance

Job description

AgWest 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 Billings. This full-time position reports to the SVP, Lending and is accountable for ensuring timely correction and collection of adversely classified loan portfolio through timely service, and proactive management.

Compensation Information

The base salary range for this position in Billings, Montana is:

Level I:
Typical starting range: $66,200 - $88,700
Full base salary range: $66,200 - $99,900
Annual performance-based incentive target is 12% of base.

Level II:
Typical starting range: $72,600 - $99,900
Full base salary range: $72,600 - $125,200
Annual performance-based incentive target is 15% of base.

*Relocation assistance will be provided to eligible candidates who must relocate to accept this position.

• Participate in internal workgroups assuring annual analysis and confirmation of appropriate credit classification is completed.
• 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 customer meetings as assigned.
• Classify loans and loan data attributes including recommended charge-offs/reserves, cash income accounting and allowances on assigned loans, report portfolio quality, statistics, and loan activity to supervisor.
• Collaborate with the Lending and Insurance Group by 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.
• Develop and demonstrate a sound understanding of loan pricing programs, models and tools.
• 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 and ensure media inquiries and requests are referred to appropriate staff.
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• Represent and communicate the values, purpose, and mission of the organization 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 Requirements

• 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 Qualifications

• Bachelor’s degree in business, economics, finance or equivalent, or an equivalent combination of education and experience
• Basic understanding of financial statements and analysis
• Ability to effectively communicate and negotiate terms on behalf of the organization for low complexity and smaller size relationships, both verbally and in writing
• Ability to travel to perform certain required duties
• Valid driver's license

Preferred Qualifications

• Understanding of production agriculture
• Ability to perform cash flow projections and trend analysis interpretation

Workplace Flexibility

• After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.
• This position is eligible for coordinated hybrid flexibility.

Benefits Offered by AgWest

• Medical, dental, and vision insurance
• Basic term life and AD&D insurance (fully paid for by the company)
• Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!

*Vacation accrual rates increase with tenure.

If hired, you will be required to provide proof of authorization to work in the United States. Applicants and employees will not be sponsored for work authorization, including but not limited to H-1B, OPT, CPT, TN, J-1, or STEM.

Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law.

Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.

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