Relationship Manager

agwestfarmcredit; Billings (MT); Hybrid; USD 66,000 - 125,000; Full time

Benefits offered by this job

Hybrid work option

401(k) match

Paid time off

Wellness program

Job summary

AgWest Farm Credit is seeking a Relationship Manager I or II to join the Montana Lending and Insurance team in Billings. This full-time role reports to the SVP, Lending and focuses on timely credit classification and proactive portfolio management.

The position offers a base salary with incentive potential and a path for growth from Level I to Level II, plus a one-time home office stipend and hybrid work flexibility after training. Travel to client sites is expected.

Qualifications

• Bachelor's degree in business, economics, finance or equivalent.
• Ability to travel to perform duties.
• Valid driver's license.
• Strong communication and negotiation skills.

Responsibilities

• Participate in internal workgroups assuring annual analysis and confirmation of appropriate credit classification.
• Maintain effective relationship management including analyzing, interpreting, and presenting financial information and meeting with and negotiating terms with assigned accounts.
• Classify loans and loan data attributes including recommended charge-offs/reserves, cash income accounting and allowances on assigned loans, report portfolio quality and activity.

Skills

Communication skills

Negotiation

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 Montana Lending and Insurance department 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

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.

Essential Duties

• 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
• 401(k) plan (6% match plus 3% employer contribution)
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!
• *Vacation accrual rates increase with tenure.

Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits

#LI-Hybrid

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 bu