Agriculture Relationship Manager

Old National Bank•Saint Louis Park, MN

2d•$62,300 - $199,000•Onsite

About The Position

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values.

Requirements

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, communicating relevant information, and building collaborative client-focused relationships.
Possesses a thorough knowledge of Loan Standards, Loan Review Administration and Banking/OCC Procedures.
Very high level of written and verbal communication skills.
Must have a proven track record of successful sales performance with strong business development skills.
Very high level of sales, negotiation and financial analysis skills.
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 and track record as 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 in acquiring, deepening, and maintaining profitable client relationships through sales, prospecting and enhancing existing relationships
Prior experience formally or informally coaching and mentoring peers while utilizing leadership skills
Agile and prior proficiency to adapt if/when changes in sales practices and broader market and industry conditions are needed

Nice To Haves

Agriculture related discipline preferred.
Ag preferred market experience
Prior experience formally or informally coaching and mentoring peers while utilizing leadership skills

Responsibilities

Generating new loan and deposit business according to assigned sales goals by initiating and developing relationships with businesses, industries, developers and consumers.
Maintaining acceptable credit quality and appropriate loan pricing.
Managing individual portfolios and expanding client relationships, including partner referrals.
Prospecting businesses with annual sales of $500M-$25MM+ for new loan and deposit opportunities.
Achieving assigned personal sales goals through proactive activities and behaviors that lead to results.
Aligning client and bank objectives and orchestrating organizational resources and referral partners to build collaborative, client-focused relationships.
Using a consultative selling approach to understand client needs and opportunities, including conducting pre-call planning, establishing rapport, interviewing for needs and opportunities, explaining features and benefits, overcoming objections and closing the sale.
Leveraging centers of influence to build a network and create a pipeline of business.
Taking an active role in the agriculture community through volunteering and attending events.
Ensuring loan requests meet the requisite level as set forth under current loan standards by evaluating loan requests for proper purpose, structure and pricing.
Partnering with support staff to ensure the loan origination process meets bank and client expectations.
Seeking guidance and insight from other lenders and Executives to deliver the best possible loan terms for the bank and client.
Managing a portfolio of customers satisfactorily, ensuring the relationships are maintained in a professional manner and monitoring of the portfolio meets current loan standards.
Staying current on ag trends regarding agronomy, commodities, real estate, farm financial health to apply to current portfolio in assessing risks and understanding client needs.
Striving to meet or exceed average portfolio target by strengthening existing client relationships and fostering new relationships.
Managing delinquencies and portfolio to ensure that classified credits are recognized timely and referred promptly to Special Assets.
Continuously seeking and applying knowledge leading to a best-in-class client experience.
Passionately serving internal/external clients with excellence.
Maintaining a growth mindset staying current with developments and trends in areas of expertise influencing client satisfaction both internally and externally.
Understanding data, metrics and/or financial information, and how they tie to client satisfaction and business outcomes related to position, client and/or team.
Nurturing client relationships by listening, prioritizing, and acting responsibly to meet client needs, mitigate risk and add shareholder value.
Openly and effectively communicating with others.
Effectively and transparently sharing information and ideas with others.
Tailoring the delivery of communication in a way that engages the audience and that is easy to understand and retain.
Uniting others towards common goal.
Asking for others' opinions and ideas and listening actively to gain their support when clarifying expectations, agreeing on a solution and checking for satisfaction.
Building strategic mindset capability.
Breaking down larger goals into smaller achievable goals and communicating how they are contributing to the broader goal.
Actively seeking to understand factors and trends that may influence role.
Anticipating risk and developing contingency plans to manage risks.
Identifying opportunities for improvement and seeking insights from other sources to generate potential solutions.
Aligning activities to meet individual, team and organizational goals.
Seeking deeper understanding and taking action.
Taking ownership of the problem while collaborating with others on a resolution with an appropriate level of urgency.
Collaborating and seeking to understand the root causes of problems.
Evaluating the implications of new information or events and recommending solutions using decisions that are sound based on what is known at the time.
Taking action that is consistent with available facts, constraints and probable consequences.
Achieving personal goals for new loan/deposit production and average portfolio target.
Achieving personal goals for new fee production and average loan delinquency.