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Capital Farm Credit · 17 hours ago

Relationship Manager I

San Angelo, TX

Full-time

Onsite

Entry, Mid Level

2+ years exp

Capital Farm Credit is the largest rural lending cooperative in Texas, dedicated to supporting rural communities and agriculture. The Relationship Manager I is responsible for managing current relationships, seeking new accounts, and developing loan portfolios while ensuring compliance with established guidelines.

BankingFinancial ServicesInsurance

Comp. & Benefits

Responsibilities

Manages and maintains current relationships and seeks new accounts

Recommends or approves loans in assigned territory within the limits of specific delegated authority

Develops and manages loan portfolios including loan originations in the trade area served by the association

Develops and implements sales strategies in order to increase client satisfaction and loan portfolio growth

Responsible for developing new business in the assigned office in addition to servicing exiting, commercial and real estate customers

Reviews loan analysis within the guidelines and policies of the association, processes and approves loan requests within the limits of delegated authority and in accordance with Association guidelines

Prepares and submits loan requests that exceed delegated lending authority to the appropriate management level along with recommendation for approval or rejection

Works with other Association personnel including credit analysts’ ln loans exceeding delegated authority

Establishes business relationships with agricultural producers, rural landowners and business leaders in the community and cultivates these relationships to expand lending opportunities

Represents the association at local and regional community and market related activities

Promotes the association by maintaining good public and member relations and assists with or attends corporate functions

Makes and services leases, loans for operating equipment and real estate, and offering other related services such as cash management products and crop insurances within delegated authority and in accordance with association policies

Makes and/or conveys decisions on loan approval, structure, and pricing

Responsible for exercising credit risk management responsibilities on loans within area of responsibility

Determines the eligibility and scope of financing for all new loans and ensures verification of assets and liabilities

Secures background and credit history on new loans, repeat loans and renewals

Provides for evaluation of loan collateral in accordance with association policies and procedures

Works with loan process to ensure proper lien perfection on all collateral

Develops proficiency in complex credit analyses

Reviews balance sheets, income statements and cash flows of potential borrows to ascertain creditworthiness

Works with credit analysts on loans in process and maintains current, adequate, and verified financial information on borrowers and guarantors as required by Association

Performs loan servicing tasks, which may include partial releases, re-amortizations, assumptions, additional advances, extensions, conversions, insurance claims, subordinations to mineral leases and right of ways, division orders, severance agreements

Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper

Complies with proper credit administration practices as outlined in the association’s policies and procedures

Assists staff and management with collections on all loans in the portfolio

Works with delinquent borrowers to obtain satisfactory loan performance

Assures that loan covenants are maintained as required

Assists with the title examination process on prospective loans to ensure validity of liens on property pledged as collateral or security interest on chattels

Reviews loan closing packages and facilitates the loan closing process as required in accordance with all applicable association and FCA polices and regulations

May perform appraisals, inspections and/or collateral evaluations in compliance with district and Association standards and procedures

Qualification

Loan officer experienceFinancial analysisBusiness development skillsAccounting knowledgeCustomer service skillsMortgage Loan Officer registrationMicrosoft Office proficiencyCommunication skills

Required

Bachelor's degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience

Two (2) or more years of experience as a loan officer, loan officer associate, or commensurate work experience that translates to lending experience as determined at the discretion of Capital Farm Credit

Strong communication and customer service skills to support business development initiatives

Ability to perform basic to intermediate financial and credit analysis under moderate supervision

General knowledge of accounting and financial systems

Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System

Preferred

Three (3) or more years of experience as a loan officer or loan officer associate or commensurate title, or other experience that translates to lending experience as determined at the discretion of Capital Farm Credit

Outstanding business development skills complemented with appropriate credit knowledge for the purpose of growing portfolio with quality loans

Exceptional customer service skills to support business development initiatives

Ability to assess risk and provide recommendations on approval of commercial or real estate loans

Good standing in current and/or previous employment

Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy

Beneficial for the candidate to have both real estate and production agriculture knowledge