Relationship Manager II/III

AgTexas Farm Credit Services • Lubbock, TX

1d • Onsite

About The Position

AgTexas Farm Credit Services is hiring a Relationship Manager II/III, based in Lubbock, Texas. The position is responsible for generating new business and developing and maintaining a diverse loan portfolio. AgTexas may, at its sole discretion, offer the position under a different title depending on the candidate’s qualifications. Salary is negotiable based on experience. Travel is required.

The Relationship Manager generates business through direct solicitation and origination of eligible loans or by purchasing participation interests in loans originated by others. The role evaluates prospective clients’ needs and provides financial solutions, while ensuring loans are properly underwritten, structured, and approved in accordance with loan policies and authorities, in coordination with centralized underwriting units. The Relationship Manager monitors client relationships, credit compliance, loan portfolios, exceptions, and past-due accounts; provides ongoing relationship service and resolves client service issues; and monitors results against objectives, recommending strategic adjustments as needed. The role also makes calls on important prospects, serves on assigned Association committees, and interacts frequently with customers, Association staff and management, and area professionals. Occasional interaction with senior management, the CEO, the board of directors, and Farm Credit Bank of Texas staff is also expected.

AgTexas Farm Credit Services serves approximately 2,600 member/borrowers in lending, insurance sales, appraisal, and leasing. It operates 11 offices across a 43-county territory and has an average loan volume of approximately $2.85 billion and total assets of $3.2 billion. Its lending portfolio includes cotton, livestock, dairy, feed grains, real estate, and agricultural-related business loans. AgTexas provides credit and crop insurance to its member-owners. The employer is an Equal Opportunity / Affirmative Action employer and provides an accommodation contact for applicants with disabilities.

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.
• Broad understanding of lending regulations, credit operations, and credit practices.
• Excellent interpersonal relations, public speaking, administrative, and communication skills.
• Strong analytical skills, including the ability to market credit services to eligible Farm Credit borrowers, evaluate financial statements, and identify and implement corrective actions when needed.
• Knowledge of business practices in mortgage and commercial lending, including credit standards, real estate appraisal, internal controls, financial management, human resource management, public and member relations, and marketing techniques.
• Leadership, strategic planning, and goal-setting skills.
• Familiarity with standard concepts, practices, and procedures in the relevant field; extensive experience and judgment to plan and accomplish goals; and creativity and latitude.
• Willingness to travel.

Responsibilities

• Generate new business and develop a loan portfolio through direct solicitation and origination of eligible loans or purchase of participation interests in eligible loans originated by others.
• Monitor business relationships and credit compliance for originated loans.
• Evaluate prospective clients’ needs and provide appropriate financial solutions.
• Ensure proper loan underwriting and structuring in accordance with loan policies and authorities, in coordination with centralized underwriting units.
• Call on important prospects to sell and service consumer and banking needs.
• Manage and monitor the loan portfolio, including exceptions and past-due business and consumer loans, in accordance with loan policy and in coordination with centralized underwriting reports.
• Provide ongoing relationship servicing, including resolving client service issues.
• Monitor results against objectives and recommend strategic adjustments to help achieve them.
• Serve on Association committees as assigned.

What This Job Offers

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