Retail Relationship Manager

American AgCredit • Turlock, CA

43d • $89,848 - $156,561 • Hybrid

About The Position

The Retail Relationship Manager is responsible for developing business by leveraging data to identify new customers and opportunities while utilizing technology to deliver an exceptional experience positioning AAC as a trusted partner. The Retail Relationship Manager connects with customers to understand their business and deliver timely financial solutions that meet their needs. This role requires knowledge of varied market segments and the risks associated with the agricultural industry and commodities being financed. Core responsibilities are completed in office with no assigned portfolio and focuses on lead conversion, approving/denying loan applications, cross-selling, and marketing new business through strategic community relations’ activities and various data sources. This role offers a great opportunity to significantly contribute to innovation that has high impact, and that creates tremendous value within the division and association.

Requirements

• AA/AS degree with emphasis on agribusiness, business administration, finance or equivalent; BA/BS preferred.
• Minimum of 3-7 years of progressively responsible banking or related agriculture lending experience.
• Thorough knowledge of legal requirements, FCA regulations, association, and district policies and procedures.
• Ability to interpret and apply complex policies and procedures.
• In-depth understanding of the product offerings of American AgCredit and thorough understanding of the external marketplace.
• Ability to use software and information technology to collect, organize, retrieve, maintain and disseminate information.
• Ability to use technology in new or complex situations.
• 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.
• Strong written and verbal communication skills.
• Ability to talk and hear, sit and use their hands and fingers, and reach in all directions.
• 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.
• Eligibility to work in the United States.
• Ability to navigate and overcome objections regarding fees, rates, and product terms while completing transactions.
• Demonstrated ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity.
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance.
• Interacts and communicates regularly and effectively with leadership and staff within the Retail Channel and across the association.

Nice To Haves

• BA/BS preferred.

Responsibilities

• Developing business by leveraging data to identify new customers and opportunities.
• Utilizing technology to deliver an exceptional experience and position AAC as a trusted partner.
• Connecting with customers to understand their business and deliver timely financial solutions.
• Focusing on lead conversion, approving/denying loan applications, cross-selling, and marketing new business.
• Engaging in strategic community relations activities and utilizing various data sources.
• Contributing to innovation that has high impact and creates tremendous value.
• Reviewing entity structures to determine appropriate liability and signing requirements.
• Developing and applying an understanding of financial statements and tax returns to accurately calculate and enter financial metrics.
• Acting as final approver for customer requests that fit scorecard assisted underwriting metrics, or partnering with the underwriting team on requests requiring additional review.
• Following up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer.
• Monitoring and communicating with past due customers to facilitate receipt of payment.
• Utilizing CRM system to maintain quality data and track sales process.
• Developing knowledge of broad and local area risks associated with agricultural industries and commodities being financed.
• Navigating and overcoming objections regarding fees, rates, and product terms while completing transactions.
• Assessing multiple tasks or issues that are competing for a limited amount of time or resources and determining the order in which each will be addressed; setting priorities, goals, and timetables to achieve maximum productivity.
• Taking initiative for learning and development by acquiring and refining technical and professional skills.
• Proactively seeking performance feedback and identifying approaches to improve own performance.
• Interacting and communicating regularly and effectively with leadership and staff within the Retail Channel and across the association.
• Fostering new business by cultivating and maintaining relationships, discovering needs, and providing new solutions.
• Creating fee and rate offerings that achieve Association profitability targets while remaining competitive.
• Identifying and addressing potential distress with past due customers.
• Performing other duties as assigned.

Benefits

• 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: Mid Level
• Education Level: Associate degree