Commercial Banking Relationship Manager (Agriculture)
About The Position
The main purpose of this job is to be involved in both the comprehensive management of existing commercial relationships as well as solicit new business opportunities with assigned customers and targeted prospects. Although it can vary by market, targeted companies generally include those with annual sales of $15MM and over. The ideal candidate will have significant agricultural lending and relationship management experience, with a demonstrated ability to develop and maintain relationships with agribusinesses, food processors, and related industries. A strong understanding of agricultural operating cycles, grain and commodity markets, and the financial needs of agricultural customers will be important to the role.
Requirements
- Strong knowledge of full range of commercial products, credit policies, procedures and terminology
- Ability to maintain a valid driver’s license and meet Commerce Bank’s driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
- Strong time management skills, with ability to appropriately prioritize calling activities and strategies
- Goal oriented with well-developed sales skills
- Strong strategic, analytical, and problem-solving skills
- Ability to mentor and provide leadership to junior roles
- Experienced at structuring complex credit requests
- Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
- Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
- Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
- Basic proficiency with Microsoft Word, Excel and Outlook
- Bachelor’s degree in Business Administration, or equivalent combination of education and experience required
- 5+ years of commercial banking experience required
- Must be eligible to work in the US without sponsorship now or in the future
Responsibilities
- Reach out to assigned customers and targeted prospects with the objective to acquire new business
- Serve as the primary advisor for an assigned portfolio of diverse and complex commercial relationships, ensuring a high level of customer satisfaction and retention
- Coordinate with product partners to cross-sell a full range of products and services
- Critically review and analyze portfolio to reduce risk and enhance profitability
- Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk
- Facilitate the resolution of customer problems, engaging product experts as needed
- Participate in community and business functions/groups to ensure a positive image for the bank and to establish referral contacts within the marketplace
- Ensure compliance with all bank policies, procedures, regulations, and laws
- Manage a portfolio of commercial relationships with some or all of the following characteristics: Average loan portfolio O/S of $100MM to $150MM Average deposit portfolio of $50MM to $100MM Annual contribution of $750M to $1.5MM
- Perform other duties as assigned
Benefits
- employer sponsored health, dental, and vision insurance
- 401(k)
- life insurance
- paid vacation
- paid personal time
- career development
- education assistance
- voluntary supplemental benefits
- performance-based incentive plans
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What This Job Offers
Job Type
Full-time
Career Level
Senior
