Relationship Manager

AgWest Farm Credit•Yuba City, CA

19d•$72,600 - $137,800•Hybrid

About The Position

AgWest Farm Credit is hiring a Relationship Manager I or II for its California Lending and Insurance department in Yuba City, California. This full-time position reports to the Portfolio Manager and helps provide high-quality, profitable, and constructive credit and related services to customers. The role markets and sells loans and financially related services, evaluates credit applications and collateral, makes credit decisions within delegated authority, and manages assigned accounts. It also supports customer relationships, loan administration, industry initiatives, and coordination across teams. The role involves visiting customer operations and traveling up to 25%, including overnight travel throughout AgWest’s territory. Following an initial in-office training period, the position is eligible for workplace flexibility and a one-time home office stipend. The listed compensation varies by level. Relationship Manager I has a typical starting salary range of $72,600–$97,800, a full base salary range of $72,600–$110,400, and a 12% annual performance-based incentive target. Relationship Manager II has a typical starting salary range of $80,000–$110,100, a full base salary range of $80,000–$137,800, and a 15% annual performance-based incentive target. Relocation assistance is available to eligible candidates who must relocate.

Requirements

Bachelor’s degree in business, an agriculture-related field, or a related field, or an equivalent combination of education and experience.
Progressively responsible and complex experience in credit and related areas.
Ability to market, sell, and effectively negotiate terms on behalf of the organization, verbally and in writing.
Knowledge of agricultural practices and crop and livestock production.
Solid knowledge of credit regulations and procedures, including legal terminology.
Willingness and ability to travel up to 25%, including overnight travel throughout the AgWest territory.

Nice To Haves

Knowledge of Farm Credit policies and procedures, eligibility requirements, and products.
Understanding of local agricultural markets.

Responsibilities

Market and sell loans and financially related services.
Visit customer operations, document observations, inspect loan collateral, and evaluate customer management practices and expected repayment.
Make credit decisions, monitor loan performance, and service assigned accounts.
Prepare complex credit analyses and recommendations for a supervisor or loan committee; approve loans within delegated authority.
Gather and review financial information, including audited financial statements, legal opinions, tax records, and other financials, while following documentation expectations and applicable procedures, laws, and regulations.
Proactively service assigned accounts, follow up, coordinate with other divisions and portfolio groups, and help maximize returns on troubled assets.
Establish rapport with customers and prospective customers and maintain their confidence.
Assist with credit investigations, including public-record searches, credit bureau reports, employment and income verification, and asset and liability verification.
Participate in loan closings and ensure required documentation is completed and understood by the customer.
Develop and implement sales and servicing plans and coordinate actions with credit analysts and financial specialists.
Communicate and coordinate with teams and portfolio groups to support timely transfers and customer service; make referrals and cross-sell products with other departments and divisions.
Participate in assigned industry teams or task forces, build industry knowledge, assist with industry studies, expand industry-specific services and delivery systems, and help organize customer education events.
Follow company policies, procedures, and internal controls; perform other duties as assigned.