Relationship Manager III

Capital Farm Credit • Abilene, TX

2h

About The Position

Capital Farm Credit is hiring a Relationship Manager III to develop and manage loan portfolios, originate loans, maintain existing customer relationships, and seek new accounts in its assigned territory. The role manages large and complex accounts and credit evaluations, recommends or approves loans within delegated authority, and designs sales strategies to support customer satisfaction and portfolio growth. It operates with considerable decision-making latitude under minimal supervision and assists in training less senior relationship managers and credit personnel.

The position develops business with commercial and real estate customers and serves agricultural producers, rural landowners, and community business leaders. It evaluates borrower creditworthiness and collateral, structures and services loans and leases, manages credit risk and loan performance, and ensures loan administration and closing activities comply with Association policies and applicable regulations. The Relationship Manager also represents the Association in local and regional community and market activities.

The role requires a bachelor’s degree in business administration, finance, agricultural economics, or a related field, or equivalent experience; at least five years of progressively responsible banking or related agricultural lending experience (or other experience deemed by Capital Farm Credit to translate to lending experience); and registration as a Mortgage Loan Officer under the National Mortgage Licensing System.

Requirements

• Bachelor’s degree in business administration, finance, agricultural economics, or a related field, or equivalent experience.
• Five or more years of progressively responsible banking or related agricultural lending experience, or other experience that Capital Farm Credit determines translates to lending experience.
• Registration as a Mortgage Loan Officer under the National Mortgage Licensing System.
• Ability to build rapport and represent the Association effectively.
• Ability to operate in high-pressure environments with complex, high-profile clients.
• Outstanding written and verbal communication skills.
• General accounting and financial system knowledge.
• Specialized understanding of finance and accounting principles.
• Basic proficiency in Microsoft Office.
• Ability to perform financial analyses with moderate supervision.

Responsibilities

• Develop new business in the assigned office while servicing existing commercial and real estate customers.
• Review loan analyses and process and approve loan requests within delegated authority and Association guidelines.
• Submit loan requests exceeding delegated lending authority to the appropriate management level with a recommendation for approval or rejection; collaborate with credit analysts on these loans.
• Establish and cultivate relationships with agricultural producers, rural landowners, and community business leaders to expand lending opportunities.
• Represent the Association at local and regional community and market-related activities, promote the Association, maintain good public and member relations, and assist with or attend corporate functions.
• Make and service leases and loans for operating equipment and real estate, and offer related services such as cash management products and crop insurance.
• Make or convey decisions on loan approval, structure, and pricing, and exercise credit risk management responsibilities for loans in the assigned area.
• Determine eligibility and scope of financing for new loans and ensure verification of assets and liabilities.
• Obtain background and credit history for new loans, repeat loans, and renewals.
• Arrange evaluation of loan collateral in accordance with Association policies and procedures, and work with loan processing to ensure proper lien perfection.
• Develop proficiency in complex credit analyses and review borrowers’ balance sheets, income statements, and cash flows to assess creditworthiness.
• Work with credit analysts on loans in process and maintain current, adequate, and verified financial information on borrowers and guarantors as required.
• Perform loan servicing tasks, potentially including partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations, division orders, and severance agreements.
• Ensure assigned loans have appropriate risk ratings, loss-given-default assignments, and performance status assignments.
• Comply with credit administration practices in Association policies and procedures.
• Assist staff and management with portfolio collections and work with delinquent borrowers to obtain satisfactory loan performance.
• Ensure loan covenants are maintained as required.
• Assist with title examination for prospective loans to verify liens on property or security interests in chattels.
• Review loan closing packages and facilitate loan closings in accordance with Association and Farm Credit Administration policies and regulations.
• May perform appraisals, inspections, and collateral evaluations in compliance with District and Association standards and procedures.
• Assist with training less senior relationship managers and credit personnel.
• May assist with or attend Association public relations functions.

Benefits

• Company-wide, goals-based incentive program.
• Accrued annual leave: 13 days per year.
• Accrued sick leave: 15 days per year.
• 10–12 paid holidays annually.
• 401(k) with up to 9% employer contribution/match.
• Affordable medical, dental, and vision plans.
• Eight weeks of paid parental leave.
• Employer-paid life and disability insurance.
• Tuition reimbursement.
• Up to $400 for wellness expenses.
• Competitive pay.
• Growth opportunities.
• Supportive work environment.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level