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Career Opportunity: Relationship Manager

Job Title
Relationship Manager
Organization
Golden State Farm Credit, ACA
Location
HANFORD, California
Department
Experience Level
Mid-Career (5-10 years)
Supervisor's Title
Category
Sales and Customer Relationships
Salary Range
DOE, depending on experience
Posted Date
Thursday, October 12, 2017
Closing Date
Open until filled
Job Description

POSITION SUMMARY
The Relationship Manager develops and maintains relationships with customers, analyzes credit within authority levels, and services financial loans. 

ESSENTIAL FUNCTIONS
Business Development

Maintains a professional presence and develops a network to the constituency the Association serves, Farm Credit system, financial institutions, and regulators 
Represents and promotes the Association at organization meetings and events
Coordinates employee attendance at relevant field days and industry events
Acquires and develops new and existing customers to carry out Association business plan goals
Identifies products and services to improve the customer experience
Provides branch updates on Association sales calls
Expert skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.
Knowledge of capital markets and participations lending.

Loan Origination and Renewals
Interviews and gathers application information from customers
Enters financial information into loan software
Delegates work to Credit Specialists
Collaborates with RVP and CCO to discuss options available for customers
Contacts external parties to finalize details for loan closing
Orders and reviews appraisals
Informs customers of loan decision

Loan Closing
Facilitates the closing of loans
Verifies proper documentation is filed

Loan Portfolio Management
Provides additional credit information into  software
Works with staff to identify and develop plans to reduce risk for at-risk credit

Reviews and monitors Branch credit portfolio reports for compliance with Association and FCA policies, procedures, and regulations

Responds and provides direction to internal staff  questions

Approves, modifies, or denies credit requests within delegated credit authority

Has authority to sign documents for loan officers within the branch in the absence of the Regional Vice President 

Credit Analysis
Analyzes credit for new actions and servicing actions
Verifies financial documentation and closing conditions
Determines product pricing
Communicates credit decision and completes required steps for closing
Identifies at-risk loans and determines a plan of action to resolve deficiencies

Office Liaison
Assists the RVP with distribution of information to staff
Assists the RVP with facilities maintenance
Analyzes credit for new actions and servicing actions
Verifies financial documentation and closing conditions
Determines product pricing
Communicates credit decision and completes required steps for closing
Identifies at-risk loans and determines a plan of action to resolve deficiencies

Office Liaison
Assists the RVP with distribution of information to staff
Assists the RVP with facilities maintenance

Commitment and Support of Association Mission
Understands, applies, and supports the Association mission and vision statement in a positive, professional manner at work and with customers in all settings

KNOWLEDGE & SKILLS

  • Knowledge of the agriculture, financial and real estate industry, and applied business mathematics and principles.
  • Knowledge of Microsoft Office Suite, computers, current software, and other office tools.
  • Ability to effectively read, write, and communicate in the English language.
  • Skill in serving and working effectively with both external and internal customers in a professional, respectful manner.
  • Skill in analyzing information and problem solving to formulate logical and objective conclusions.
  • Knowledge of accounting principles, practices, and methods.
  • Knowledge of credit analysis and regulatory requirements with respect to borrower’s rights.
  • Knowledge of financial statements and Generally Accepted Accounting Principles (GAAP).
  • Knowledge of title issues, easements, tax law, title and escrow, state and federal ag regulations, appraisal concepts, processes and procedures, lending practices, farm business management, and other industry terminology
  • Skill in establishing and maintaining relationships with a variety of internal and external organizations and the community to advance the organization's interests and grow/maintain business.
  • Skill in educating, promoting, and selling credit products to customers.
  • Expert skill in communicating complicated information, delivering bad news, and negotiating complex agreements effectively to achieve the best outcome for the Association.
  • Knowledge of business and management principles in strategic planning, resource allocation, leadership techniques, production methods, auditing principles and methods, and coordination of people and resources.
  • Skill in identifying and organizing resources in a systematic way to prioritize fluctuating workloads, optimize efficiency, and ensure achievement of Association goals.

PHYSICAL DEMANDS
Positions in this class requires:  typing, talking, hearing, seeing, and repetitive motions.  May be required to lift up to 10 pounds, carry, push, pull or otherwise move objects while completing essential functions.  This position is comprised of sedentary work which involves sitting at a computer a majority of the workday; walking and standing are required only occasionally. The employee is required to have close visual acuity to perform activities such as: preparing and analyzing data and figures, viewing a computer screen, and/or reading extensively.

WORKING CONDITIONS
Employees work in an office environment with moderate noise levels, controlled temperature conditions, and no direct exposure to hazardous physical substances. Employees may interact with upset staff and/or public and private representatives in interpreting and enforcing departmental policies and procedures. This position requires approximately 20-30% travel time.

The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time as needed. Golden State Farm Credit is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or disability, or any other characteristic protected by law.

Contact Person
Human Resources Department
Contact Phone
530-570-4160