Relationship Manager

AgWest Farm Credit; Yuma (AZ); Hybrid; USD 70,000 - 153,000; Full time

Job summary

An established industry player is seeking a Relationship Manager to join their Arizona Lending and Insurance department. This full-time role offers the opportunity to work in a hybrid environment while providing high-quality financial services to a diverse clientele, including farmers and ranchers. The ideal candidate will have a strong background in credit decision-making and customer service, with a passion for supporting the agricultural community. With competitive compensation and a range of benefits, this position is perfect for those looking to make a meaningful impact in the financial sector.

Benefits

Medical, dental, and vision insurance

Paid time off (15 vacation, 15 sick, 11 holidays, 3 volunteer)

Employee Assistance Program

Wellness Program

Casual dress code (jeans welcome)

Qualifications

• Bachelor's degree required; experience in credit and related areas preferred.
• Strong negotiation and customer service skills are essential.

Responsibilities

• Market and sell loans and financial services to customers.
• Make quality credit decisions and service assigned accounts efficiently.
• Participate in loan closings and ensure documentation is completed.

Skills

Credit decision making

Customer service

Market and sell products

Negotiation skills

Financial analysis

Knowledge of agricultural practices

Education

Bachelor's degree in business or ag-related field

Equivalent combination of education and 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 I, II, or III to join our Arizona Lending and Insurance department in Yuma, Arizona. This full-time position reports to the SVP, Lending and contributes to providing high quality, profitable and constructive credit and related services to customers.

This position is eligible for a hybrid work schedule and one-time home office stipend after initial training period. Additionally, up to $7,500 relocation assistance is available for candidates who would need to move for this opportunity.

Compensation Information

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

Level I: $70,800 - $107,700; bonus at target is 12% of salary.

Level II: $78,000 - $122,100; bonus at target is 15% of salary.

Level III: $96,400 - $152,900; bonus at target is 20% of salary.

Job Requirements

• 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; 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.
• 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 Requirements

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

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, 11 holidays and 3 volunteer
• Employee Assistance Program
• Wellness Program
• Jeans are welcome at work every day at AgWest!

*Vacation accrual rates increase with tenure.