Ag Relationship Manager III

Rabobank - Visalia, CA4.0

The Rabobank, N.A. Ag Relationship Manager is responsible to originate, close, and service new and existing business in the market segment assigned, and for portfolio and risk management coordination with different areas within the bank. Actively develops and participates in a business development program to obtain new loans, deposits, and fee-based business. Cross-sells corporate financial products, including cash management, leasing, and treasury management services with profitability objectives. Works independently and in partnership with Financial Analysts and Loan Process Coordinators, and oversees underwriting and structuring of loans. Although supported by analysts, this position is ultimately responsible for credit quality and proper loan structure. Incumbent must understand credit needs of the client, and be able to recommend proper credit structure to meet client's financial needs. Participates in industry groups and community, civic events to promote Bank products and services.


The successful candidate will possess the following:
Undergraduate degree in Business Administration, Accounting, Finance, or AG related field preferred plus 3 years of lending experience; or High School diploma with minimum of 9 years of progressively responsible lending and business development experience, preferably in an AG capacity
Must be able to negotiate, structure, and underwrite loans, make solid credit recommendations, and manage credit risk
Proficient with MS Word, and MS Excel
Possess excellent human relations, communications, and business writing skills
Ability to work effectively without direct supervision
Ability to comprehend and interpret Bank policies and procedures
Possess effective time management and organizational skills
Demonstrates teamwork in facilitating workflow
High level of cooperation with others and is responsive to the Bank's needs
Exemplary motivation, enthusiasm, professionalism, and team skills
High level of accuracy and great attention to detail
Strong analytical and problem solving skills
Possess full knowledge of retail banking services
Ability to make administrative decisions
Demonstrates with excellent customer service skills
Ability to cope with pressure resulting from meeting required deadlines, reporting requirements, and training responsibilities
Ability to make sound decisions for the Bank when utilizing signing authority
Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive customer or employee information
Ability to handle constant use of tact, discretion, and good judgment

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, or veteran status.

Job Duties
Responsibilities will include and are not limited to the following:

Portfolio management, establishing key relationships, business development, and promotion of the full range of Rabobank's services and products (i.e. cash management/ treasury products, trust services, swaps, etc.)
Manages existing loans to ensure complete compliance with terms of approval and Rabobank, N.A.'s credit policy
Follows existing loans to ensure complete compliance with terms approval; manages delinquencies at an acceptable level
Develops a network of prospective client referral sources through community and business development activities
Effectively represents the Bank while calling on potential or existing customers to develop new business and expand client relationships
Interviews applicants to obtain sufficient information concerning their specific projects, financial needs, and goals to make acceptable risk determinations for proposed Bank loans
Initiates promotion of other Bank products and services to strengthen client relationships
Develops close working relationship with other divisional partners such as Retail Banking, REIG, Trust Services, Global Financial Markets, Equipment Leasing, and Treasury Services
Makes credit solution recommendations
Credit underwriting processes
Understanding quality of the credit portfolio
Timely recognition and reporting of potential credit issues
Ensure the credit has accurate risk grading
Works closely with credit administrators, financial analysts, and other support personnel to assure high level of quality in each credit application presented for approval
Reviews and approves annual loan reviews completed by analysts, and ensures reviews are completed in a timely fashion
Evaluates customer's needs, assesses customer's eligibility and suitability for certain products and negotiates acceptable product solutions utilizing product specialists as needed
Gives financial and counsel to clients and prospective clients on RNA products
Performs all other duties as assigned by supervisor