VP, Relationship Manager

Golden State Farm Credit • Hanford, CA

3d • $136,410 - $215,781 • Hybrid

About The Position

This senior-level position combines business development, credit analysis, portfolio management, and customer advocacy to support both customer success and Association growth. As a VP, Relationship Manager, you will cultivate and maintain strong customer relationships, manage a diverse portfolio of agricultural and rural lending relationships, evaluate complex credit opportunities, and serve as a trusted financial partner to customers while helping advance the Association's mission. Our team at Golden State Farm Credit is united in supporting agriculture and rural communities. We offer a collaborative, customer-focused environment that encourages initiative, professional growth, and meaningful work. If you're passionate about relationship building, strategic lending, and making a positive impact in the communities we serve, we'd love to hear from you.

Requirements

• Bachelor’s Degree in Agriculture, Agribusiness, Business, Finance, or a related field
• 5 or more years of experience in a lending role
• Or an equivalent combination of education and experience sufficient to perform the essential functions of the job
• Knowledge of the agriculture, financial, and real estate industry, and applied business mathematics and principles
• Knowledge of Microsoft Office Suite, computers, current software, and other office tools
• Ability to effectively read, write, and communicate in the English language
• Skill in serving and working effectively with both external and internal customers in a professional, respectful manner
• Skill in analyzing information and problem-solving to formulate logical and objective conclusions
• Advanced knowledge of accounting principles, practices, and methods
• Knowledge of credit analysis and regulatory requirements with respect to borrower's rights
• Advanced knowledge of financial statements and Generally Accepted Accounting Principles (GAAP)
• Knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology
• Expert skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business
• Expert skill in educating, promoting, and selling credit products to customers
• Expert skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association
• Knowledge of business and management principles in strategic planning, resource allocation, leadership techniques, production methods, auditing principles and methods, and coordination of people and resources
• Skill in identifying and organizing resources in a systematic way to prioritize fluctuating workloads, optimize efficiency, and ensure achievement of Association goals
• Appropriately protects the confidentiality, security, and integrity of the Association’s systems, data, and clients’ data

Responsibilities

• Maintains a professional presence and develops a network within the constituency the Association serves, Farm Credit system, financial institutions, and regulators
• Represents and promotes the Association at organization meetings and events
• Coordinates employee attendance at relevant field days and industry events
• Acquires and develops new and existing customers to carry out Association business plan goals
• Identifies products and services to improve the customer experience
• Provides branch updates on Association sales calls
• Expert skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association
• Knowledge of capital markets and participation lending
• Provides additional credit information into software
• Works with staff to identify and develop plans to reduce risk for at-risk credit
• Reviews and monitors Branch credit portfolio reports for compliance with Association and FCA policies, procedures, and regulations
• Responds and provides direction to internal staff questions
• Approves, modifies, or denies credit requests within delegated credit authority
• Has authority to sign documents for loan officers within the branch in the absence of the Team Lead
• Interviews and gathers application information from customers
• Enters financial information into loan software
• Delegates work to Credit Specialists
• Collaborates with Team Lead and CLO to discuss options available for customers
• Contacts external parties to finalize details for loan closing
• Orders and reviews appraisals
• Informs customers of loan decisions
• Facilitates the closing of loans
• Verifies proper documentation is filed
• Analyzes credit for new actions and servicing actions
• Verifies financial documentation and closing conditions
• Determines product pricing
• Communicates credit decision and completes required steps for closing
• Identifies at-risk loans and determines a plan of action to resolve deficiencies
• Services loans, including interest rate conversions, MERLOC extensions, re-amortizations, partial releases, fixed rate pricing assumptions, and collateral analysis
• Ensures regulatory compliance on loans by following Association policies and procedures
• May report market and commodity updates to management
• Analyzes and services non-typical and complex loan application documents
• Reviews and ensures compliance of borrower’s reporting and restrictive covenants
• Recommends appropriate course of action (Distressed Loan Notice, advanced delinquent taxes, initiate foreclosure)
• Attends loan committee meetings and provides information regarding loans
• Assists the Team Lead with distribution of information to staff
• Provides credit expertise on committees and special projects
• Provides overview of Association policies and procedures to credit staff as needed for loan processing
• Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings

Benefits

• team based incentive program that provides an opportunity for up to 15% payout of base salary based upon Association performance
• individual incentive opportunities

What This Job Offers

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