We are in search of a Relationship Manager I or Relationship Manager II to join our California Lending and Insurance department in Yuba City, California. This full-time position reports to the Portfolio Manager and contributes to providing high quality, profitable and constructive credit and related services to customers.
Compensation InformationThe base salary range for this position in Yuba City, California is:
Level I:
Typical starting range: $72,600 - $97,800
Full base salary range: $72,600 - $110,400
Annual performance-based incentive target is 12% of base.
Level II:
Typical starting range: $80,000 - $110,100
Full base salary range: $80,000 - $137,800
Annual performance-based incentive target is 15% of base.
*Relocation assistance will be provided to eligible candidates who must relocate to accept this position.
Essential Duties- 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; monitor loan performance and service assigned accounts.
- Prepare complex credit analysis and submit recommendations to supervisor or loan committee for action; 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.
- Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
- Other duties as assigned.
Travel Requirements- Willingness and ability to travel up to 25%, including overnight travel throughout the AgWest territory.
- AgWest employees may occasionally be asked to travel for conferences, training and/or all-staff or team meetings that fall outside the role's standard travel requirements.
Minimum Qualifications- 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 Qualifications- Knowledge of Farm Credit policies and procedures, eligibility requirements and products
- Understanding of the local agricultural markets
Workplace Flexibility- After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend.
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, 12 holidays and 3 volunteer
- 401(k) plan (6% match plus 3% employer contribution)
- Employee Assistance Program
- Wellness Program
- Jeans are welcome at work every day at AgWest!
*Vacation accrual rates increase with tenure.
Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits
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