Relationship Manager

AgWest Farm Credit•Yuba City, CA

1d•Hybrid

About The Position

AgWest Farm Credit is hiring a Relationship Manager I or Relationship Manager II for its California Lending and Insurance department in Yuba City, California. This full-time role reports to the Portfolio Manager and helps provide high-quality, profitable, and constructive credit and related services to customers. The position markets and sells loans and financially related services; evaluates customer operations, collateral, management practices, and repayment prospects; makes and recommends credit decisions; and services assigned accounts. It also supports industry-specific teams, customer education, and coordination across departments and portfolio groups. The role requires travel to customer operations and throughout AgWest’s territory, with travel up to 25%, including overnight trips. After an initial in-office training period, the position is eligible for workplace flexibility and a one-time home office stipend. The listed base salary ranges are $72,600–$110,400 for Level I and $80,000–$137,800 for Level II. Typical starting ranges are $72,600–$97,800 for Level I and $80,000–$110,100 for Level II. Annual performance-based incentive targets are 12% of base for Level I and 15% for Level II. 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.

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 customers’ operations, document observations, inspect loan collateral, and evaluate management practices and expected repayment.
Make quality credit decisions, monitor loan performance, and service assigned accounts.
Prepare complex credit analyses and recommendations for a supervisor or loan committee, and approve loans within delegated authority.
Gather and analyze financial information, including audited financial statements, legal opinions, tax records, and other financial documents; follow documentation expectations, procedures, laws, and regulations.
Proactively service assigned accounts, follow up, coordinate with other divisions and portfolio groups, and maximize returns on troubled assets.
Build 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 complete and understood by customers.
Develop and implement sales and servicing plans and coordinate actions with credit analysts and financial specialists.
Coordinate with teams and portfolio groups and ensure timely customer transfers between divisions and portfolio teams.
Make referrals and cross-sell products in collaboration with other departments and divisions.
Participate in assigned industry teams or task forces, advance industry expertise, assist with industry studies, expand industry-specific services and delivery systems, and help organize customer education events.
Perform duties in accordance with company policies, procedures, and internal controls, and take on other duties as assigned.
Travel up to 25%, including overnight travel throughout the AgWest territory, and occasionally travel for conferences, training, or staff and team meetings.

Benefits

Medical, dental, and vision insurance.
Basic term life and AD&D insurance fully paid by the company.
15 vacation days, 15 sick days, 12 holidays, and 3 volunteer days annually.
401(k) plan with a 6% match plus a 3% employer contribution.
Employee Assistance Program.
Wellness Program.
One-time home office stipend for eligible employees.
Relocation assistance for eligible candidates who must relocate.
Vacation accrual rates increase with tenure.
Annual performance-based incentive target of 12% of base for Level I or 15% for Level II.