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AgWest Farm Credit · 11 hours ago

Relationship Manager

Bakersfield, CA

Full-time

Hybrid

Mid Level

$71K/yr - $108K/yr

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to various agricultural sectors in the Western United States. They are seeking a Relationship Manager to support high-quality credit services and maintain customer relationships, ensuring efficient service and loan administration.

FinanceFinancial ServicesInsuranceLending

Growth Opportunities

Responsibilities

Market and sell products including loans and financially related services; establish rapport with and develop and maintain confidence of customers and prospective customers

Complete visits to customers’ operations and document observations; this may include visually inspecting the condition and value of loan collateral and evaluate customers’ management practices and expected repayment

Make quality credit decisions to ensure customer service, a high-quality loan portfolio and loan administration

Monitor loan performance and proactively service and manage assigned accounts with the objective of providing efficient customer service and maximizing return; this may include coordination with other teams and portfolio groups

Prepare credit analysis and submit recommendations to supervisor or loan committee for action; approve loans within delegated authority

Gather financial information through interviews in person and by phone, read audited financial statements, legal opinions, tax records and other financials; comply with documentation expectations, procedures, laws and regulations

Assist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification

Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer

Ensure a high degree of credit administration by developing and implementing sales/servicing plans and coordinating actions with credit analysts and loan specialists

Communicate with other groups and teams to ensure timely transfers between portfolio groups to meet customer service needs and organization objectives

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 agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programs

Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls

Other duties as assigned

Qualification

Credit analysisFinancial statement analysisCustomer relationship managementFinance principlesCredit lawsRegulationsCommunication skillsNegotiation skillsTeam collaboration

Required

Bachelor's degree in business, economics, finance or equivalent, or an equivalent combination of education and experience

Ability to read or learn to read audited financial statements, legal opinions, tax records and other financials

Ability to establish rapport with, and develop and maintain the confidence of, customers and prospective customers

Ability to effectively communicate and negotiate terms on behalf of the organization for low complexity and smaller size relationships, both verbally and in writing

Ability to travel to perform certain required duties

Valid driver's license