What are the responsibilities and job description for the Relationship Manager position at AgWest Farm Credit?
AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100 year-old Farm Credit System – the leading provider of credit to American agriculture.
AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West.
We are in search of a Relationship Manager II or Relationship Manager III to join our Specialized Lending department in Salem, Oregon; Beaverton, Oregon; Spokane, Washington (Headquarters); or Seattle, Washington. This full-time position reports to the SVP, Lending and is accountable for providing high quality, profitable and constructive credit and related services to large, complex and/or high-risk loans while maintaining a high level of proactive marketing and portfolio management, including credit analysis, loan administration and servicing on all loan products.
After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend. Employees are expected to continue working from their office location a minimum of 50% or 60% of the time depending on location.
Compensation Information
The base salary range for this position in Salem, Oregon or Spokane, Washington is:
Level II:
Typical starting range: $70,80 - $97,500
Full base salary range: $70,800 - $122,100
Annual performance-based incentive target is 15% of base.
Level III:
Typical starting range: $87,200 - $153,900
Full base salary range: $87,200 - $169,300
Annual performance-based incentive target is 20% of base.
The base salary range for this position in Beaverton, Oregon is:
Level II:
Typical starting range: $70,80 - $107,500
Full base salary range: $70,800 - $134,400
Annual performance-based incentive target is 15% of base.
Level III:
Typical starting range: $96,400- $169,300
Full base salary range: $96,400 - $186,700
Annual performance-based incentive target is 20% of base.
The base salary range for this position in Seattle, Washington is:
Level II:
Typical starting range: $81,100 - $111,900
Full base salary range: $81,100 - $140,600
Annual performance-based incentive target is 15% of base.
Level III:
Typical starting range: $100,500 - $177,500
Full base salary range: $100,500 - $194,900
Annual performance-based incentive target is 20% of base.
Job Requirements
- Market and sell products including loans and financially related services focused within the forest products industry.
- Work closely with Capital Markets to support large loan relationships.
- Provide leadership and direction to assigned account team(s) through effective communication regarding account management and servicing, delegation of responsibilities, and clear identification and measurement of expectations.
- Responsible for growing assigned loan portfolio, managing unused commitment levels, ensuring profitability targets are met for assigned portfolio, and communicating appropriate loan pricing information to customers.
- Establish rapport with and develop and maintain confidence of customers and prospective customers.
- Complete customer visits and document observations, which require travel to and from customers' offices, facilities and/or tree farms, visually inspecting the condition and value of loan collateral, and evaluating the customer's management practices and expected repayment.
- Analyze customer's business operation, credit profile and lending needs to propose appropriate loan commitments and structures.
- Prepare and review complex credit analysis and submit recommendations to supervisor or loan committee for action; approve loans within delegated authority.
- Make quality credit decisions to ensure customer service, high quality loan portfolio, and loan administration; monitor loan performance and service of assigned accounts.
- Service assigned accounts with the objective of providing efficient customer service and maximize the return on troubled assets through proactive servicing, follow up, and timely coordination with other divisions and portfolio groups.
- Ensure a high degree of credit administration by developing and implementing sales/servicing plans and coordinating actions with credit analysts and financial specialists.
- Communicate with other teams and portfolio groups and ensure timely transfers between divisions and portfolio teams to meet customer service needs and organization objectives.
- Participate in assigned industry teams or industry task forces as needed. Advance industry knowledge and expertise of assigned industry teams, assist teams with detailed industry studies and assist with the organization of industry specific customer educational events.
- Represent and communicate the values, purpose and mission of the organization to employees, customers, the public and other target audiences, by joining or actively supporting appropriate forest products trade organizations, civic groups and actively participating in sponsored events and programs throughout AgWest's territory and throughout the United States.
- This role normally receives limited instruction on day-to-day work and receives general instructions on new assignments.
- Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.
- Other duties as assigned.
Minimum Requirements
- Bachelor's degree in business, finance, accounting, economics, or ag-related field, or an equivalent experience combination of education and experience.
- Generally, requires at least seven years' lending, credit, or related experience to successfully perform this role.
- Thorough knowledge of credit classifications, sound loan administration practices, applicable credit laws and regulations and procedures, including legal terminology.
- Ability to market, sell and effectively negotiate terms on organization products, including loan programs, interest rate programs and financially related services, both verbally and in writing.
- Advanced analytical skills and the ability to perform complex credit analysis and draw appropriate risk and lending conclusions.
- Ability to inspect customer's facilities and timberland to evaluate credit factors, complete farm visits and/or complete collateral valuations.
- Ability to understand and interpret complex financial statements and credit documents.
Preferred Requirements
- Knowledge of regional forest products practices, processing operation, appraisal techniques and principles.
- Knowledge of Farm Credit policies and procedures, eligibility requirements and products.
- Knowledge of bankruptcy law and collection procedures.
Benefits Offered by AgWest
- Medical, dental, and vision insurance
- Basic term life and AD&D insurance (fully paid for by the company)
- Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer
- 401(k) plan (6% match plus 3% employer contribution)
- Employee Assistance Program
- Wellness Program
- Jeans are welcome at work every day at AgWest!
- Vacation accrual rates increase with tenure.
Details about insurance and retirement benefits are available at: https://www.farmcreditfoundations.com/fcfbenefits
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Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law.
Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law.
When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them.
To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process.
For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.
Salary : $70,800 - $122,100