AVP, Agricultural Relationship Manager

Ephrata National Bank•Ephrata, PA

8d•$90,000 - $144,000

About The Position

This position is responsible for sales, service, and retention of agricultural relationships. The role develops new business, manages a portfolio and its credit quality, and oversees overall relationships with agricultural customers. Working independently, the Agricultural Relationship Manager manages complex accounts that meet lending requirements and support profitability while minimizing risk. The role serves as a trusted advisor to companies, offering ideas, advice, and solutions within an assigned territory. Typical loan sizes range from $500,000 to $2.5 million, and the role manages a portfolio of approximately $45 million to $85 million or more, with minimum annualized loan sales volume of $12 million to $16 million. The position is full-time, Monday through Friday, 8:00 a.m. to 5:00 p.m., with schedule flexibility required to meet business needs. Occasional local travel between offices is required, along with travel for seminars or conferences approximately once or twice a year. The work takes place in a professional environment and routinely uses standard office equipment. The position has no supervisory responsibilities.

Requirements

Bachelor’s degree in Business Administration, Finance, or a related field.
At least 5 years of experience in business lending with a commercial or community bank.
Demonstrated ability to develop business relationships, underwrite, and manage a portfolio.
Comprehensive knowledge of agricultural, real estate, and construction lending.
Comprehensive knowledge of and compliance with ENB credit policies and applicable federal, state, and bank regulations.
High proficiency in Microsoft Outlook, Word, Excel, and credit analysis tools used for credit underwriting.
Excellent communication, presentation, and sales skills.
Excellent working relationships and collaboration skills with bank support areas.
Valid driver’s license.

Responsibilities

Manage an agricultural portfolio of approximately $45 million to $85 million and identify additional lending, deposit, and financial-services opportunities within client relationships.
Prioritize and develop relationship strategies for high-value client retention and expansion.
Generate new business within the assigned territory and take ownership of developed client relationships as the primary point of contact.
Work with team members to administer and manage client relationships and agricultural credits.
Provide knowledgeable advice and solutions to optimize revenue opportunities for the bank.
Drive revenue growth through self-sourced opportunities and plan and execute quality client and prospect calls.
Cross-sell bank products, including deposit products, and coordinate referrals.
Manage transactions from initial engagement through closing, owning the client experience while collaborating with credit services professionals and relationship specialists.
Identify prospects, gather applications, and obtain supporting documents.
Collaborate with relationship specialists to prepare credit submissions for underwriting and credit determination.
Work with credit services through underwriting and credit decisions.
Partner with relationship specialists to prepare commitments, present offers, and clear conditions to close.
Collaborate on and provide oversight of the closing process.
Monitor credit quality within assigned portfolios and take appropriate action.
Work with the Underwriter to make recommendations to the Loan Committee and Board of Directors.
Monitor repayment activity and manage delinquent credits in the portfolio.
Participate actively in community activities and organizations.
Collaborate with portfolio managers on portfolio administration.
Complete other assigned sales goals.