AVP, Agricultural Relationship Manager
Description
Summary:
This position is responsible for the sales, service, and retention of agricultural relationships. Incumbents are responsible for new business development, portfolio management, credit quality, and overall relationship management of a portfolio of agricultural customers. This position works independently to manage and develop complex agricultural accounts that meet the bank’s lending requirements and maximize profitability while minimizing risk. Acts in a trusted advisor role to companies by generating ideas, advice, and solutions for clients within an assigned territory. Typical loan size is $500M to $2.5MM with the capability of managing $45-85MM plus portfolio, with the minimum annualized sales loan volume of $12-16MM.
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Manage a $45-85MM agricultural portfolio. Manage client relationships to identify additional loan, deposit, or financial services opportunities. Identifies, prioritizes, and develops relationship strategy for high-value retention and expansion clients.
- Generate new business development within assigned territory and assume ownership of developed client relationships by acting as a primary point of contact.
- Work with team members with the administration and relationship management of client relationships and agricultural credits.
- Deliver knowledgeable advice and solutions within client relationships to optimize revenue opportunities for the bank.
- Drive revenue growth through self-sourced opportunities. Plans and executes quality client/prospect calls.
- Cross-sell all bank products, including new deposit dollars; directs the coordination for referrals.
- Manages transactional processes from initial engagement through final close. Assumes full ownership of the client experience while working in collaboration with credit services professionals and relationship specialists.
- Directly responsible for prospect identification through application and obtaining all supporting documents.
- Work in collaboration with relationship specialists to prepare for credit action through submission to credit services for underwriting through credit determination.
- Work in collaboration with credit services from underwriting through credit decision.
- Partner with relationship specialist on preparation of commitment, presentation of the offer, and clearing of conditions to close.
- Collaborate and provide oversight of the closing process.
- Monitor credit quality within assigned portfolios and take action.
- In partnership with the Underwriter, make recommendations to the Loan Committee and Board of Directors.
- Monitor repayment activity.
- Manage delinquent credits within the portfolio.
- Actively participating in community activities and organizations.
- Collaborate with portfolio manager(s) on portfolio administration.
- Complete other sales goals as assigned.
Required Education and Experience:
- Bachelor’s degree in Business Administration, Finance, or related field.
- Demonstrated 5 years of experience in business lending with a commercial or community bank.
- Proven ability to develop business relationships, underwrite, and manage a portfolio.
- Comprehensive knowledge of all aspects of agricultural, real estate, and construction lending.
- Comprehensive knowledge of and compliance with ENB credit policies and all applicable federal, state, and bank regulations.
- High proficiency in Microsoft Outlook, Word, Excel, and credit analysis tools utilized for credit underwriting.
- Excellent communication, presentation, and sales skills are critical.
- Excellent working relationship and collaboration skills with support areas of the bank.
- Valid Driver’s License.
Competencies:
ENB Operational and Functional Competencies
Supervisory Requirements:
This position has no supervisory responsibilities.
Work Environment:
This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines.
Physical Demands:
Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk or hear. The job requires close vision, distance vision, and the ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds, including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.
Position Type and Expected Hours of Work:
This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.
Salary: $90,000.00 - $144,000.00
Pay Transparency:
Salaries may vary based on geographic location, market data, and individual skills, experience, and education. This role is incentive-eligible, with payment based on company, business, and/or individual performance.
Benefits:
Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to eligible employees. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives.
To learn more about your potential eligibility for these programs, please visit About | Careers | Benefits | Ephrata National Bank
Travel:
Local travel between offices will be required on occasion. Some travel for seminars or conferences, once or twice a year on average.
EEO Statement:
Ephrata National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.
This job description reflects management’s assignment of essential functions and position responsibilities. Nothing in this job description restricts management’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in adherence to bank policies.