Relationship Manager

AgWest Farm Credit; Rocklin (CA); Presencial; USD 73.000 - 144.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical, dental, and vision insurance

Basic term life and AD&D insurance

Paid days off annually: 15 vacation, 3

15 sick

12 holidays and 3 volunteer

401(k) plan (6% match plus 3% employer

Employee Assistance Program

Wellness Program

Jeans are welcome at work

Descripción de la vacante

AgWest Farm Credit, a member-owned financial cooperative, seeks a Relationship Manager I or II in California to manage adversely classified loan portfolios and strengthen customer relations. You’ll perform rigorous financial analyses, credit decisions, and negotiations to protect asset quality.

Based in Paso Robles, Rocklin, Ventura, or Yuba City, you’ll collaborate with the Credit Resolution Team, support acquisitions, and participate in loan closings while upholding privacy and security

Formación

• Bachelor's degree in business, economics, finance or equivalent, or an equivalent combination of education and experience.
• At least two years' progressively complex professional banking or credit experience, preferably in restructuring.
• Ability to understand and interpret increasingly complex financial statements, loan documents and collateral documents.
• Solid understanding of bankruptcy and foreclosure processes and laws.
• Ability to communicate and negotiate terms on behalf of the organization, both verbally and in writing.
• Knowledge of real estate market and real estate law.

Responsabilidades

• Manage assigned loan portfolio, primarily consisting of adversely classified production agriculture accounts, ensure timely servicing and resolution of delinquencies or defaults, and upgrade/transfer accounts back to lending staff.
• Analyze and service larger loan relationships with increasing complexity and risk, monitor loan performance; prepare high-quality credit packages.
• Perform comprehensive financial analysis that results in sound credit recommendations that manage organization risk and provide a path to resolution of higher risk loan relationships.
• Make quality credit decisions to ensure acceptable loan administration and approve or recommend loan actions within delegated authority.
• May participate in acquired property management as assigned.
• Maintain effective relationship management including analyzing, interpreting, and presenting financial information; meet with and negotiate terms with assigned accounts.

Conocimientos

Financial analysis

Communication skills

Negotiation

Educación

Bachelor's degree in business, economics, finance

Descripción del empleo

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 either our Paso Robles, Rocklin, Ventura, or Yuba City California branches. This full-time position reports to the SVP, Lending and is accountable for ensuring timely correction and collection of adversely classified loan portfolio through proactive service and management.

Compensation Information

The base salary range for this position in Paso Robles and Yuba City, California is:

Level I:
Typical starting range: $72,600 - $97,800
Full base salary range: $72,600 - $110,400
Annual performance-based incentive target is 12% of base.

Level II:
Typical starting range: $80,000 - $110,100
Full base salary range: $80,000 - $137,800
Annual performance-based incentive target is 15% of base.

The base salary range for this position in Rocklin and Ventura, California is:

Level I:
Typical starting range: $75,700 - $101,600
Full base salary range: $75,700 - $114,600
Annual performance-based incentive target is 12% of base.

Level II:
Typical starting range: $83,100 - $114,600
Full base salary range: $83,100 - $144,100
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

• Manage assigned loan portfolio, primarily consisting of adversely classified production agriculture accounts, assure timely servicing and resolution of delinquencies or defaults, and, when appropriate, upgrade and transfer accounts back to lending staff.
• Analyze and service larger loan relationships with increasing complexity and risk profile, monitor for loan performance; prepare high-quality credit packages.
• Perform comprehensive financial analysis that results in sound credit recommendations that manage organization risk and provide a path to resolution of higher risk loan relationships.
• Make quality credit decisions to ensure acceptable loan administration and approve or recommend loan actions within delegated authority.
• May participate in acquired property management, as assigned.
• 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 customers.
• Accurately classify loans and loan data attributes including recommended charge-offs/reserves, cash income accounting and allowances on assigned loans; and accurately report portfolio quality, statistics, and loan activity to supervisor.
• Collaborate with the Lending and Insurance Group 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, effectively utilizing loan pricing programs, models, and tools.
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• 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; ensure media inquiries and requests are referred to appropriate staff.
• Represent and communicate the values, purpose, and mission of AgWest 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

• Willingness and ability to travel up to 15%, including overnight travel throughout the AgWest territory.
• 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
• Generally, requires at least two years' progressively complex professional experience, preferably in banking or credit including restructuring, knowledge of borrower rights, and acquired property management
• Ability to understand and interpret increasingly complex financial statements, loan documents and collateral documents, and draw appropriate conclusions
• Solid understanding of bankruptcy and foreclosure processes and laws
• Ability to effectively communicate and negotiate terms on behalf of the organization, both verbally and in writing
• Ability to implement effective control and monitoring procedures
• Knowledge of real estate market and real estate law

Workplace Flexibility

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

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 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.

If you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.

To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.

For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.