Relationship Manager III

AgTexas Farm Credit; Stephenville (TX); On-site; USD 85,000 - 120,000; Full time

Job summary

AgTexas Farm Credit Services in Stephenville, TX is seeking a Relationship Manager III to generate new business and develop a diverse loan portfolio. You will work with borrowers to assess needs, structure loans, and market credit solutions with underwriting support.

The role requires a bachelor's degree in a related field or equivalent experience, high-level interpersonal and analytical skills, and willingness to travel.

Qualifications

• Excellent interpersonal relations, public speaking, administrative and communication skills are required.
• Strong analytical skills to market credit services to eligible Farm Credit borrowers, evaluate financial statements, and identify and implement corrective actions.
• Knowledge of mortgage and commercial lending practices, including credit standards and real estate appraisal.

Responsibilities

• Concentrates on generating new business and developing a loan portfolio through direct origination or participation interests.
• Monitors relationships and credit compliance of originated loans.
• Evaluates clients' needs and provides appropriate financial solutions.
• Ensures proper loan underwriting and structuring in line with policy and central underwriting units.
• Makes calls on important prospects to sell and service banking needs.
• Manages loan portfolios and tracks exceptions and past-due status per policy.
• Provides ongoing relationship servicing and resolves service issues.
• Monitors results versus objectives and suggests strategic adjustments.
• Serves on various Association committees as assigned.

Skills

Interpersonal skills

Public speaking

Communication skills

Administrative skills

Leadership

Strategic planning

Goal setting

Credit market knowledge

Education

Bachelor's degree in business administration/finance/agricultural economics

Job description

Company Profile

AgTexas Farm Credit Services serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average loan volume of approximately $2.85 billion, with total assets equaling $3.2 billion. The lending portfolio consists of cotton, livestock, dairy, feed grains, real estate, and ag-related business loans. Additionally, the association territory provides diversity in production and mortgage loans as well as commodities financed. Without strong financial backing farmers and ranchers will not survive, and people will not have food to eat or clothes to wear. AgTexas provides reliable credit and crop insurance to our member-owners, so they can feed and clothe the world.

AgTexas Farm Credit Services serves and supports approximately 2,600 member/borrowers in areas of lending, insurance sales, appraisal, and/or leasing. Eleven office locations can be found throughout the Association's 43-county trade territory, and the association has an average loan volume of approximately $2.85 billion, with total assets equaling $3.2 billion. The lending portfolio consists of cotton, livestock, dairy, feed grains, real estate, and ag-related business loans. Additionally, the association territory provides diversity in production and mortgage loans as well as commodities financed. Without strong financial backing farmers and ranchers will not survive, and people will not have food to eat or clothes to wear. AgTexas provides reliable credit and crop insurance to our member-owners, so they can feed and clothe the world.

Position

The Relationship Manager III position is located in Stephenville, TX with a salary that is negotiable, depending upon experience. This position is responsible for generating new business and developing and maintaining a diverse loan portfolio.

• AgTexas, at its sole discretion, may offer this position with a different title based upon the qualifications of the candidate.

Minimum Education And Experience

Bachelor's degree in business administration, finance, agricultural economics, or a related field, or equivalent experience and eight (8) or more years of progressively responsible banking or related agricultural lending experience. Experience should include a broad understanding of lending regulations, credit operations, and credit practices.

Key Requirements

Excellent interpersonal relations, public speaking, administrative and communication skills are required. Strong analytical skills to market credit services to eligible Farm Credit borrowers, 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, human resource management, public and member relations, and marketing techniques. Leadership, strategic planning, and goal setting are required. Familiar with standard concepts, practices, and procedures within a particular field. Relies on extensive experience and judgment to plan and accomplish goals. A wide degree of creativity and latitude is required. Travel is required.

Key Responsibilites

• Concentrates primarily on generating new business and developing a loan portfolio, either through the purchase of participation interests in eligible loans originated by others or 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 important prospects to sell and service consumer and banking needs.
• 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.
• Monitors results versus objectives and recommends necessary strategic adjustments to ensure that objectives are reached.
• Serves as a member of various Association committees as assigned.

Working Relationships

Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management, CEO, and/or board of directors. Occasional interaction with Farm Credit Bank of Texas staff. Frequent interaction with area professionals including real estate agents, commercial bankers, and others who deal with the association in the normal course of business.

EOE/AA/M/F/D/V

AgTexas FCS is an Equal Opportunity / Aff... All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, national origin, protected veteran status, sexual orientation, gender identity or genetic information.

Persons with disabilities who require an accommodation to complete the application process should call our Lubbock office at [phone] and ask to speak to one of our HR representatives to request accommodation in the application process.