What are the responsibilities and job description for the Ag Relationship Manager position at Farm Credit Council?
Are you looking for an opportunity to continue to grow your career while making a difference in the agriculture industry? Horizon Farm Credit is actively seeking an Ag Relationship Manager to join our team.
Overview: One position available, qualified candidate will work in our Georgetown office located at 20816 DuPont Boulevard in Georgetown, Delaware. The hours of operation are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule after 6 months of successful employment.
Position Description: Agricultural Relationship Manager serves as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. Formulates business development strategies, develops customer relationships, and actively manages portfolio. Promotes related services, participates in public relations activities, and develops a favorable Farm Credit image in the community. Assists regional team and Association in meeting its goals and objectives through effective teamwork, cooperation, and communication.
Areas of Responsibility Include:
Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community.
Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs.
Interview applicants, gathers, analyzes and reconciles complete, accurate credit and financial data including complete applications using the five credit factors under the guidelines of differential analysis.
Determines credit risk and makes timely and accurate decisions. Establishes and renegotiates credit terms, when necessary.
Communicates credit decision to loan applicants within required timeframes. Independently originates single entity loans up delegated authority.
Services loans in portfolio to retain high loan level quality. Reviews progress of loans on a periodic basis. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems or uncover opportunities for additional lending.
Monitors delinquent reports and counsels with customers to bring accounts current. Provides guidance to customers seeking solutions to financial problems.
Qualifications
Education
Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or related field.
Experience
Generally, two to five years' or related experience in sales, commercial lending, agriculture industry, or financially related experience.
Skills
Capable of managing loans and customer relationships within the assigned portfolio under general supervision.
Proficient interpersonal relations and communications skills.
Handles duties within the required time expectations, delivering excellent internal and external customer service.
Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit.
Strong problem-solving & time management skills.
Spends significant amount of time meeting with customers, prospects, and referral generators.
Adaptable and flexible to a changing work environment.
Prolonged periods sitting at a desk and working on a computer.
Ability to lift up to 15 pounds at times.
Ability to be assertive and decisive in arriving at sound business decisions which serves the best interest of the association and borrower.
Knowledge of agriculture is a plus.
Who are we?
Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference for agriculture and rural communities.
What can we offer you?
We offer competitive compensation and benefits packages for full-time employees including:
Medical insurance with dental and vision care options
401 (k) with significant employer matching
Paid time off, holidays and volunteer time to support work/life balance
Tuition reimbursement and training opportunities
Student loan reimbursement
Leadership and career development opportunities
Paid parental leave and short term disability
Fun and inclusive work environment
Salary Range: $ 47,800 - $60,000, depending on experience.
Equal Opportunity Employer including veterans and individuals with disabilities.