Relationship Manager

AgWest Farm Credit; Tempe (AZ); On-site; USD 73,000 - 174,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) plan with match

Paid time off

Job summary

AgWest Farm Credit, a member‑owned financial cooperative serving farmers and rural communities in the Western United States, seeks a Relationship Manager II or III in Tempe, AZ. You will market loans, conduct credit analysis, and manage customer relationships within our Arizona Lending and Insurance department.

Ideal candidates hold a business or agriculture degree or equivalent experience, with knowledge of agricultural practices and credit regulations.

Qualifications

• Bachelor’s degree in business or ag‑related field, or equivalent combination of education and experience.
• Progressively responsible and complex experience in credit and related areas
• Ability to market, sell, and effectively negotiate terms on behalf of the organization
• Knowledge of agricultural practices and crop and livestock production
• Solid knowledge of credit regulations and procedures, including legal terminology

Responsibilities

• Market and sell products including loans and financially related services.
• Complete customer visits and document observations, travel to and from the operation, inspect loan collateral and assess repayment.
• Make quality credit decisions to ensure a high-quality loan portfolio and loan administration.
• Prepare complex credit analysis and submit recommendations to supervisor or loan committee.
• Gather financial information and verify documents; comply with laws and procedures.
• Serve assigned accounts and coordinate with divisions to maximize customer service and recoveries.

Skills

Credit analysis

Negotiation

Agricultural knowledge

Travel readiness

Education

Bachelor’s degree in business or ag‑related field

Equivalent education/experience

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 II or Relationship Manager III to join our Arizona Lending and Insurance department in Tempe. This full‑time position reports to the SVP, Portfolio Manager and contributes to providing high quality, profitable and constructive credit and related services to customers.

Compensation Information

The base salary range for this position in Tempe, Arizona is:

Level II

Typical starting range: $72,600 - $97,800

Full base salary range: $72,600 - $125,200

Annual performance-based incentive target is 15% of base.

Level III

Typical starting range: $89,400 - $124,500

Full base salary range: $89,400 - $173,500

Annual performance-based incentive target is 20% of base.

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

Essential Duties

• Market and sell products including loans and financially related services.
• Complete customer visits and document observations, which requires travel to and from the operation, visually inspecting the condition and value of loan collateral, and evaluating the customers’ management practices and expected repayment.
• Make quality credit decisions to ensure customer service, a high-quality loan portfolio and loan administration; monitor loan performance and service assigned accounts.
• Prepare complex credit analysis and submit recommendations to supervisor or loan committee for action; approve loans within delegated authority.
• Gather financial information through interviews in person and by phone, read audited financial statements, legal opinions, tax records and other financials; comply with documentation expectations, procedures, laws and regulations.
• Service assigned accounts with the objective of providing efficient customer service and maximizing the return on troubled assets through proactive servicing, follow up, and timely coordination with other divisions and portfolio groups.
• Establish rapport with and develop and maintain confidence of customers and prospective customers.
• Assist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification.
• Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer.
• Ensure a high degree of credit administration by developing and implementing sales/servicing plans and coordinating actions with credit analysts and financial specialists.
• Communicate with other teams and portfolio groups and ensure timely transfers between divisions and portfolio teams to meet customer service needs and organization objectives. Collaborate with other departments and divisions by making referrals and cross‑selling products in order to meet customer needs.
• Participate in assigned industry teams or industry task forces as needed. Advance industry knowledge and expertise of assigned industry teams. Assist teams with detailed industry studies and work to expand industry specific customer services and delivery systems. Assist with the organization of industry specific customer educational events.
• Represent and communicate the values, purpose and mission of the organization by joining and / or actively supporting appropriate agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programs.
• 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 25%, 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 or ag‑related field, or related field, or an equivalent combination of education and experience
• Progressively responsible and complex experience in credit and related areas
• Ability to market, sell, and effectively negotiate terms on behalf of the organization, both verbally and in writing
• Knowledge of agricultural practices and crop and livestock production
• Solid knowledge of credit regulations and procedures, including legal terminology

Preferred Qualifications

• Knowledge of Farm Credit policies and procedures, eligibility requirements and products
• Understanding of the local agricultural markets

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

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.

When 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.