Relationship Manager - Commercial

Relationship Manager - Commercial page is loaded## Relationship Manager - Commercial remote type:
Part-Time Remote/Hybrid locations:
Merced, CAtime type:
Full time posted on:
Posted 6 Days Agojob requisition :
REQ
2023

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.
** Benefits offered by American AgCredit:
*** Commitment to agriculture and the communities we serve
* Family friendly work environment
* Investment in employee development
* Medical, Dental and Vision coverage
* Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
* Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
* Competitive Incentive Compensation Plan
* Disability & Life Insurance
* Employee mental, physical, and financial wellness programs
* The position is bonus eligible based on association and personal performance

Position will be posted until filled.
** BASIC FUNCTION:
** This position is generally responsible for managing the account relationship of a portfolio consisting of complex, large market and atypical commercial and/or real estate loans and may specialized in designated industry segments; approving/denying loan applications, servicing loan portfolio; developing and marketing new business, is active in community relations’ activities; and formulating and implementing plans for handling loan-related assets, collections and foreclosures when needed.
** ESSENTIAL DUTIES:
*** Develop new business by conducting marketing calls, providing expertise and involvement in community and designated industry functions, and providing timely service to customers.
* Manage the day-to-day customer relationship of complex, highly visible accounts.  Regularly meet with customers to keep abreast of information concerning their businesses, needs, strategic direction, and earnings to determine business opportunities.  Assist other RM’s by providing leadership and guidance in their relationships with customer and marketing techniques.
* Establish overall profitability targets for the portfolio in conjunction with Association profitability targets.
* Establish and manage credit quality targets for the portfolio.  Develop and achieve credit quality goals including appropriate intervention measures to maintain the quality of the account.
* Recommend approval or approve the extension of credit to certain accounts within delegated authority.
* Conduct negotiations with sensitive, large, complex, or non-typical loans.  Monitor and follow up on problem loans and recommend appropriate action.
* Analyze current outstanding loans to ensure complete conformity with terms and to maintain awareness of developing trends.  Establish account servicing plans and analyze results.
* Provide functional guidance to Loan Officers and Credit Analysts on policies, procedures, and other credit matters.
* Communicate and promote the availability of other financially related services.
* Perform other functions assigned.
** LEVELS OF SUPERVISION EXERCISED AND RECEIVED:
** Senior Relationship Manager may provide guidance and training to Associate RM’s; makes independent decisions; works under administrative direction of the Regional Banking Manager.
** TYPICAL

EDUCATION AND EXPERIENCE:

*** BA/BS degree with emphasis on agriculture, business administration, or equivalent.
* At least 7-10 years of progressively responsible banking or related agricultural lending experience, including at least three years in supervisory and/or management position.
* Demonstrated credit and analytical skills.  Working knowledge of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.
* Knowledge of FCA regulations, Association and District policies and procedures.
* Demonstrated proficiency in organizing and…