Commercial Account Manager - Agriculture

Kawartha Financial Services•Otonabee-South Monaghan, ON

26d•Remote

About The Position

We are looking for a candidate to provide excellent member service in the Northumberland, Peterborough, and Kawartha Lakes Regions. This is a permanent full-time position with a remote work arrangement, requiring the candidate to reside within three hours of the Kawartha Financial Services Regional Office in Peterborough, ON. The role involves acting as a trusted advisor to commercial and agricultural producers, providing complete financial solutions, and managing the risk of the commercial loan portfolio. The position also requires active engagement in the local agriculture and business community to build visibility and foster new business opportunities.

Requirements

Business related University Degree/College Diploma, or appropriate combination of Business, Agriculture and lending related courses
1-5 years commercial lending experience
Proven experience managing a diverse business portfolio, including small to medium-sized businesses and agricultural enterprises
Excellent oral and written communication skills
Negotiating skills
Excellent decision making and problem-solving skills
Excellent sales and service skills
Good organizational and time management skills
Must have a reliable vehicle as travelling is required of this position

Nice To Haves

Knowledge of the Credit Union system would be an asset
Able to be decisive and firm, while demonstrating empathy

Responsibilities

Apply relationship selling and relationship management principles and techniques acting as a trusted advisor to local commercial and agricultural producers, business members and prospects, providing complete financial solutions to meet their business and personal banking needs.
Accountable for risk management of the commercial loan portfolio as well as the quality of information, analysis, profitability and credit recommendations in executing sales of credit/non-credit products and services to commercial and agriculture members and prospects.
Maintain an effective business development and community involvement strategy to protect and expand share of profitable commercial and agriculture business, utilizing an extensive network of referral resources.
Actively engage in the local agriculture and business community to build visibility and foster new business opportunities.
Attend and participate in industry events, networking groups, and local business associations to strengthen Kawartha’s presence.
Liaise with professional service providers such as Central 1, lawyers, real estate appraisers, credit reporting/collection agencies and insurers, as required.
Work co-operatively with all Credit Union branch or department personnel (e.g. Retail Banking and Wealth Management) to identify opportunities to ensure members needs and expectations are profitably met and/or exceeded.
Retain and expand commercial and agricultural relationships to achieve portfolio retention, sales, service and profitability objectives and proactively develop relationships with new members.
Complete annual credit reviews in a timely manner according to policy, coordinating financial information requirements with the Commercial Credit Funding Department.
Analyze information received to assess risk; develop action plans to minimize Credit Union exposure where appropriate. Identify commercial and retail opportunities. Review pricing and submit recommendation for renewal for approval. Visit clients on a regular basis (at least annually) to ensure loan security is protected.