AgWest Farm Credit · 18 hours ago
Relationship Manager
Paso Robles, CA
Full-time
Hybrid
Mid, Senior Level
$73K/yr - $110K/yrAgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to various agricultural sectors. They are seeking a Relationship Manager to contribute to providing high-quality credit services and to develop and maintain relationships with clients and referral networks.
FinanceFinancial ServicesInsuranceLending
Responsibilities
Market and sell Country Home Loan (CHL) products and ensure profitability targets are met for assigned portfolio
Develop and maintain an active external marketing and referral network with real estate agents, lenders, accountants, home builders and other lending and insurance staff throughout assigned territory
Maintain familiarity with other AgWest products and collaborate with organization staff by making referrals and cross-selling products to meet customer needs
Establish rapport with and develop and maintain confidence of customers and prospective customers
Responsible for understanding internal loan pricing programs, models and tools, and communicating appropriate loan pricing information with customers
Make quality credit decisions to ensure customer service, a high-quality loan portfolio and loan administration. Monitor loan performance and services of assigned accounts
Gather financial information through interviews in person and by phone, review financial statements, legal opinions, tax records and other financial information. Comply with organization documentation expectations, procedures, laws and regulations and assist in credit investigations of applicants including public record searches, credit bureau reports, employment and income verification, collateral inspection and asset and liability verification
Prepare loan application packages including credit analysis, submit recommendations for approval and participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer
Service assigned accounts with the objective of providing efficient customer service through proactive servicing, follow up, and timely coordination with other divisions and portfolio groups
Accurately classify loans, ensuring loan data attributes such as PD, LGD, and YBS are correct
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 industry groups and actively participating in sponsored events and programs
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 works to expand industry specific customer services and delivery systems. Assist with the organization of industry specific customer educational events
Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls
Other duties as assigned
Qualification
Required
Bachelor's degree in business, economics, finance or equivalent, or an equivalent combination of education and experience
Basic understanding of financial statements and analysis
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
Ability to complete all requirements for registration with the Nationwide Mortgage Licensing System and Registry (NMLS)
Preferred
Successful completion of AgWest CHL Relationship Manager training program or an equivalent
Knowledge of Farm Credit policies and procedures, eligibility requirements and products
Understanding of the local agricultural markets
Ability to market, sell, and effectively negotiate terms on behalf of AgWest, both verbally and in writing
Knowledge of agricultural practices and crop and livestock production
Working knowledge of banking, mortgage, consumer credit regulations and laws, including legal terminology (e.g. zoning ordinances, Truth in Lending RESPA etc.)
Benefits
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.
Company
AgWest Farm Credit
AgWest Farm Credit provides agricultural lender and crop insurance services to farmers, ranchers, and timber harvesters.
Founded in 1916
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Tom Nakano
Chief Financial Officer
Dan Clawson
Executive Vice President - Chief Credit Officer
Recent News
Idaho Business Review
2025-04-01
2025-03-21
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2024-01-19
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