Relationship Manager II

Legacy Ag Credit, ACA; Longview (TX); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

401(k) plan with employer contribution

Health, dental, and vision insurance

Employer paid life insurance

Disability insurance

Tuition reimbursement

Paid holidays

Flexible vacation and sick leave

Incentive program

Job summary

Legacy Ag Credit, ACA in Longview, TX is seeking a Relationship Manager to grow the loan portfolio and manage mid-size client relationships. You will originate loans, assess client credit needs, and coordinate underwriting to ensure policy compliance, while delivering strong service and cross-sell opportunities to expand market share in Northeast Texas.

Ideal candidates hold a Bachelor's degree in Business/Finance/Agricultural Economics (or related field) with 3–5 years in banking or

Qualifications

• Bachelor's degree or equivalent experience with 3–5 years in banking or agricultural lending.
• Broad understanding of lending regulations, credit operations, and practices.

Responsibilities

• Generate new business and develop a loan portfolio through direct origination.
• Monitor relationships and credit compliance of originated loans.
• Evaluate client needs and provide appropriate financial solutions.
• Coordinate underwriting and ensure loan approvals follow policies.
• Make calls on borrowers and prospects to grow business.
• Maintain loan portfolio and manage exceptions and past-due items.
• Provide ongoing relationship servicing and resolve client issues.

Skills

Interpersonal skills

Public speaking

Communication skills

Financial statement analysis

Credit underwriting knowledge

Mortgage lending knowledge

Commercial lending knowledge

Marketing techniques

Education

Bachelor's degree in Business Administration, Finance, Agricultural Economics, or related field

Job description

JOB DESCRIPTION

Position: Relationship Manager

Location: Longview, Texas

Company Profile: Legacy Ag Credit, ACA is a full-service, locally owned cooperative lender specializing in financing rural land and agricultural operations in Northeast Texas. We are headquartered in Sulphur Springs and have six (6) offices conveniently located across the northeastern region of Texas in Sulphur Springs, Canton, Gilmer, Terrell, Longview, and Marshall. Part of the Farm Credit System, we provide financing for farms, timberland, recreational property, agribusinesses, and rural homes.

Education and Experience Requirements: Bachelor's degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience and three (3) to five (5) years or more of progressively responsible banking or related agricultural lending experience. Experience should include a broad understanding of lending regulations, credit operations, and credit practices.

Job Purpose and Scope: Responsible for initial relationship and follow-up with mid-size prospects. Develops and implements select customer referral strategies in order to increase client satisfaction and loan portfolio growth for the Association. Has direct responsibility in the development of the association's market share. Manages and maintains current business relationships and seeks new accounts.

Essential Functions

• Concentrates primarily on generating new business and developing a loan portfolio through direct solicitation origination of eligible loans.
• Monitors business relationships and credit compliance of originated loans.
• Evaluates needs of potential clients and provides appropriate financial solutions.
• Ensures proper loan underwriting and structuring is achieved through enforcement of loan policies and that they are properly approved in accordance with loan authorities and in conjunction with the centralized underwriting units.
• Makes calls on borrowers, potential borrowers and other contacts to generate new business.
• Manages and monitors respective loan portfolio and status of all exceptions and past dues on business and consumer loans in accordance with loan policy working in conjunction with reports from the centralized underwriting units.
• Provides ongoing relationship servicing, including the resolution of service issues of clients.

Skill Requirements: Excellent interpersonal relations, public speaking, administrative and communication skills are required. Strong analytical skills, the ability to evaluate financial statements as well as identify and implement corrective actions when needed. Knowledge of business practices in mortgage and commercial lending, including credit standards, real estate appraisal, internal controls, financial management, public and member relations, and marketing techniques.

Benefits

• Our comprehensive benefit program includes, but is not limited to:
• An outstanding company-wide incentive program
• Accommodating and flexible vacation and sick leave
• 10-12 paid holidays
• 401(k) plan with up to a 9% employer contribution/match
• Affordable health, dental, and vision plans
• Employer paid life insurance and disability
• Tuition reimbursement

AA/EOE/M/F/D/V