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Career Opportunity: VP - Lending Manager, Turlock, CA (req. 461)

Job Title
VP - Lending Manager, Turlock, CA (req. 461)
Organization
American AgCredit, ACA
Location
Turlock, California
Department
Lending
Experience Level
Seasoned (10+ years)
Supervisor's Title
SVP
Category
Sales and Customer Relationships
Salary Range
DOE, depending on experience
Posted Date
Thursday, December 14, 2017
Closing Date
Open until filled
Job Description

Who are we?

Our mission is simple….  Be the best lender to Agriculture. In order to deliver on that statement, we have the best people working for us. Headquartered in Santa Rosa, California, with offices throughout California, Colorado, Kansas, Nevada and Oklahoma, we have been serving all segments of the agricultural business for over 100 years! 

Benefits offered by American AgCredit:

  • Commitment to agriculture and our communities we serve 
  • Family friendly work environment
  • Investment in employee growth, development and training 
  • Medical, Dental and Vision coverage
  • Outstanding 401k – up to 9% matching!
  • Generous Vacation Leave (starting at 15 days)15 Paid Sick Days11 Paid Holidays
  • Competitive Incentive Compensation Plan
  • Disability & Life Insurance
  • Employee fitness and wellness benefits.
  • Free Soda,Coffee and Snacks! 

We are looking for:  VP Lending Manager for our Turlock, CA office!

The VP-Lending Manager is responsible for managing the account relationship of a portfolio consisting of complex, large market and atypical commercial and/or real estate loans; approving/denying loan applications, servicing loan portfolio; developing and marketing new business and is active in community relations’ activities; and formulating and implementing plans for handling loan-related assets, collections and foreclosures when needed, and trains new employees.

ESSENTIAL DUTIES:        

1.  Establish overall profitability targets for the portfolio in conjunction with Association profitability targets. 

2.  Establish and manage credit quality targets for the portfolio.  Develop and achieve credit quality goals including appropriate intervention measures to maintain the quality of the account.

3.  Review approval or approve the extension of credit to certain accounts within delegated authority.

4.  Conduct and/or assist with negotiations with sensitive, large, complex, or non-typical loans. Monitor and follow up on problem loans and recommend appropriate action.

5.  Manage the day-to-day customer relationship of complex, highly visible accounts.  Regularly meet with customers to keep abreast of information concerning their businesses, needs, strategic direction, and earnings to determine business opportunities.  Assist other Loan Officers by providing    leadership and guidance in their relationships with customer and marketing techniques.

6.  Analyze current outstanding loans to ensure complete conformity with terms and to maintain awareness of developing trends.  Establish account servicing plans and analyze results.

7.  Develop new business by conducting marketing calls, involvement in community and industry functions, and providing timely service to customers.

8.  Provide functional guidance to Loan Officers and Credit Analysts on policies, procedures, and other credit matters.

9.  Communicate and promote the availability of other financially related services. 


TYPICAL EDUCATION AND EXPERIENCE:

1. BA/BS degree with emphasis on agriculture, business administration, or equivalent. 

2. At least ten years progressively responsible banking or related agricultural lending experience.

3. Demonstrated credit and analytical skills.  Working knowledge of agricultural lending principles and practices, and association and Farm Credit System operating policies and procedures.

4. Knowledge of FCA regulations, Association and District policies and procedures.

5. Demonstrated proficiency in organizing and prioritizing work to meet deadlines.

6. Exceptional written and verbal communication skills.7. Exceptional persuasive and interpersonal skills.  Demonstrated proficiency in leading and motivating others.

8. Proficient in use of PC, including word-processing, e-mail and electronic spreadsheet software.

JOB REQUIREMENTS: 

Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work. Travel required.  

EOE/AA/M/F/D/V