Relationship Manager

American AgCredit • Hilo, HI

1d • $89,848 - $156,561 • Remote

About The Position

This position is generally responsible for managing the account relationship of a portfolio consisting of complex, large market and atypical commercial and/or real estate loans and may specialized in designated industry segments; approving/denying loan applications, servicing loan portfolio; developing and marketing new business, is active in community relations’ activities; and formulating and implementing plans for handling loan-related assets, collections and foreclosures when needed. Senior Relationship Manager may provide guidance and training to Associate RM’s; makes independent decisions; works under administrative direction of the Regional Banking Manager.

Requirements

• BA/BS degree with emphasis on agriculture, business administration, or equivalent.
• At least 5 years progressively of responsible banking or related agricultural lending experience, including at least three years in supervisory and/or management position.
• Demonstrated credit and analytical skills.
• Working knowledge of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.
• Knowledge of FCA regulations, Association and District policies and procedures.
• Demonstrated proficiency in organizing and prioritizing work to meet deadlines.
• Exceptional written and verbal communication skills.
• Exceptional persuasive and interpersonal skills.
• Demonstrated proficiency in leading and motivating others.
• Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.
• Ability to perform basic office tasks and work in a typical office setting.
• Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time.
• Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job.
• Some lifting and moving of items up to 25 pounds required.
• Work during established business hours and may require occasional weekend and/or evening work.
• Occasional travel required.
• Eligibility to work in the United States.
• Must not require visa sponsorship.

Nice To Haves

• Specialized in designated industry segments

Responsibilities

• Develop new business by conducting marketing calls, providing expertise and involvement in community and designated industry functions, and providing timely service to customers.
• Manage the day-to-day customer relationship of complex, highly visible accounts.
• Regularly meet with customers to keep abreast of information concerning their businesses, needs, strategic direction, and earnings to determine business opportunities.
• Assist other RM’s by providing leadership and guidance in their relationships with customer and marketing techniques.
• Establish overall profitability targets for the portfolio in conjunction with Association profitability targets.
• Establish and manage credit quality targets for the portfolio.
• Develop and achieve credit quality goals including appropriate intervention measures to maintain the quality of the account.
• Recommend approval or approve the extension of credit to certain accounts within delegated authority.
• Conduct negotiations with sensitive, large, complex, or non-typical loans.
• Monitor and follow up on problem loans and recommend appropriate action.
• Analyze current outstanding loans to ensure complete conformity with terms and to maintain awareness of developing trends.
• Establish account servicing plans and analyze results.
• Provide functional guidance to Loan Officers and Credit Analysts on policies, procedures, and other credit matters.
• Communicate and promote the availability of other financially related services.
• Perform other functions assigned.

Benefits

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs

What This Job Offers

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