Old National Bank

Agriculture Relationship Manager

Old National Bank$62K — $199K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree or H.S. Diploma/GED with equivalent work experience in finance or agriculture related discipline preferred.
  • Minimum 5 years Commercial Ag loan sales experience required.
  • Ability to orchestrate organizational resources by identifying key players and building collaborative client-focused relationships.
  • Thorough knowledge of Loan Standards, Loan Review Administration and Banking/OCC Procedures.
  • High level of written and verbal communication skills.
  • Proven track record of successful sales performance with strong business development skills.
  • High level of sales, negotiation and financial analysis skills.

Responsibilities

  • Generate new loan and deposit business by building relationships with various stakeholders.
  • Achieve assigned personal sales goals through targeted activities and outreach.
  • Align client needs with bank offerings by collaborating internally and with referral partners.
  • Apply a consultative selling approach to understand and address client needs effectively.
  • Develop a strong network by leveraging community involvement and centers of influence.
  • Ensure loan requests meet standards by evaluating their purpose, structure, and pricing.
  • Manage and monitor a diverse portfolio while staying informed about market trends.

Benefits

  • Participate in community events and activities to strengthen professional presence.
  • Opportunity to engage in continuous learning and development in agricultural finance.
  • Collaboration with experienced lenders and executives for optimal loan terms.
  • Flexibility for career advancement based on demonstrated performance and leadership.
Full Job Description
Overview

TheAgricultureRelationship Manageris responsible forgenerating new loan and deposit business, according to assigned sales goals,byinitiatinganddevelopingrelationships withbusinesses, industries,developersand consumers.TheAgricultureRelationship Managermaintainsacceptable credit quality andappropriate loanpricing.Individual portfolio management and client relationship expansion, including partner referrals, are critical for success in this position.

Salary Range

The salary range for this position is $62,300/yr - $199,000/yr plus bonus. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate27s relevant skills and professional experience, educational qualifications, and geographic location.

KeyAccountabilities

AchieveSales Targets

  • Prospectsbusinesses with annual sales of $500M-$25MM+for new loan and deposit opportunities.
  • Works to achieve assigned personal sales goals through proactive activities and behaviors that lead to results.
  • Alignsclient and bankobjectivesand orchestratesorganizational resourcesand referral partnersto build collaborative, client-focused relationships.
  • Usesa consultative selling approach to understandclientneeds and opportunities, including conducting pre-call planning,establishingrapport, interviewing for needs and opportunities, explaining features and benefits, overcomingobjectionsand closing the sale.
  • Leveragescenters of influence to build a network and create a pipeline of business.
  • CommunityInvolvement-takesan active role in the agriculture community through volunteering and attending events.

Loan Originations

  • Ensuresloan requests meet the requisite level as set forth under current loan standards by evaluating loan requests for proper purpose,structureand pricing.
  • Partners with support staff to ensure the loan origination process meets bank and client expectations.
  • Seeks guidance and insight from other lenders and Executives to deliver the best possible loan terms for the bank and client.

Portfolio Management

  • Manages a portfolio of customers satisfactorily, ensuring the relationships aremaintainedin a professional manner and monitoring of the portfolio meets current loan standards.
  • Stay current on ag trendsregardingagronomy, commodities, real estate, farm financial health to apply to current portfolio in assessing risks and understanding client needs.
  • Strivesto meet or exceed average portfoliotargetby strengthening existing client relationships and fostering new relationships.
  • Manages delinquencies andportfolioto ensure that classified credits are recognizedtimelyand referred promptly to Special Assets.

KeyCompetenciesfor Position

Delights Clients Continuouslyseeksand applies knowledge leading to a best-in-class client experience.

  • Passionately serves internal/external clients with excellence.
  • Maintainsa growth mindset staying current with developments and trends in areas of expertise influencing client satisfaction both internally and externally.
  • Understands data,metricsand/or financial information, and how they tie to client satisfaction and business outcomes related to position,clientand/or team.
  • Nurtures client relationships by listening, prioritizing, and acting responsibly to meet client needs, mitigateriskand add shareholder value.

Compelling Communication Openly and effectivelycommunicateswith others.

  • Effectively and transparentlysharesinformation and ideas with others.
  • Tailors the delivery of communication in a way that engages the audience and that is easy to understand and retain.
  • Unites others towards commongoal.
  • Asks for others' opinions and ideas and listens actively to gain their support when clarifying expectations, agreeing on a solution and checking for satisfaction.

Strategy in Action Build your strategic mindset capability.

  • Breaks down larger goals into smaller achievable goals and communicates how they are contributing to the broader goal.
  • Activelyseeksto understand factors and trends that may influencerole.
  • Anticipates risk and develop contingency plans to manage risks.
  • Identifiesopportunities for improvement and seeks insights from other sources to generate potential solutions.
  • Aligns activities to meet individual,teamand organizational goals.

Makes Decisions & Solves Problems Seeks deeper understanding andtakes action.

  • Takesownership of the problem while collaborating with others on a resolution withan appropriate levelof urgency.
  • Collaborates andseekstounderstandsthe root causes of problems.
  • Evaluates the implications ofnew informationor events and recommends solutions using decisions that are sound based on what is known at the time.
  • Takesaction that is consistent with available facts,constraintsand probable consequences.

Qualifications and Education Requirements

  • Bachelor27s degree orH.S. Diploma/GED withequivalent work experiencein finance or agriculture related discipline preferred.
  • Minimum5years Commercial Ag loan sales experiencerequired
  • Abilityto orchestrate organizational resources byidentifyingkey players, communicating relevant information, and building collaborativeclient-focused relationships.
  • Possesses a thorough knowledge of Loan Standards, Loan ReviewAdministrationand Banking/OCC Procedures.
  • Very highlevel of written and verbal communication skills.
  • Must have a proventrack recordof successful sales performance with strong business development skills.
  • Very highlevel of sales,negotiationand financial analysis skills.

Relationship Manager roles may vary between RM II, RM III, and RM IV this position may be filled at a different level depending on the candidate27s qualifications and relevant experience.Factors may include but are not limited to:

  • Depth and breadth of prior and/or related commercial lending, Ag lending, business development, commercial credit and portfolio management in Commercial banking and similar market experience (Ag preferred)
  • Number of consistent years with success andtrack recordas a Relationship Manager (or similar role) at the Bank or at another financial institution
  • Demonstrated and proven ability to work through complex credits and/or other unique situations
  • Well connected, known in market/region/industry, and influential inacquiring, deepening, andmaintainingprofitable client relationships through sales, prospecting and enhancing existing relationships
  • Prior experience formally or informally coaching and mentoring peers whileutilizingleadership skills
  • Agile and priorproficiencyto adapt if/when changes in sales practices and broader market and industry conditions are needed

Key Measures of Success/Key Deliverables

  • Achieve personal goals for new loan/deposit production and average portfoliotarget.
  • Achieve personal goals for new fee production and average loan delinquency.

About Old National Bank

Old National Bank is a regional bank with its headquarters in Evansville, Indiana. It is the largest financial services holding company headquartered in Indiana and operates in Indiana, Kentucky, Michigan, Wisconsin, and Minnesota. The bank offers a range of financial services, including personal and business banking, wealth management, and insurance. Old National Bank has a strong commitment to community involvement and has been recognized for its philanthropic efforts. The bank has received numerous awards for its workplace culture and has been named one of the Best Banks to Work For by American Banker.
Learn more about Old National Bank
Size
4,333 employees
Market Cap
$5.1 billion
Industry
Net Income
$226.4 million
Founded
1834
5 Year Trend
+7.4%
NASDAQ

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