Ag Relationship Manager

Horizon Farm Credit•Bel Air, MD

10d•Hybrid

About The Position

Overview: Horizon Farm Credit is recruiting for an Ag Relationship Manager to join our lending team. The qualified candidate will work in our Bel Air, MD branch location and will service Harford and Cecil County. The hours of operation are typically Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule after 6 months of successful employment. This is a great opportunity to make a difference in agriculture and rural communities. Our ideal candidate is an experienced professional with a strong financial acumen, a passion for agriculture, experience managing a large portfolio, and a commitment to helping farmers achieve their goals through personalized loan solutions. In this position, you will serve as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. You will formulate business development strategies, develop customer relationships, and actively manage an assigned portfolio. You will promote related services by participating in public relations activities and create a favorable Farm Credit image in the community. You will assist the regional team and Association in meeting its goals and objectives through effective teamwork, cooperation, and communication.

Requirements

Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or related field.
Generally, four to twelve years of related experience in sales, commercial lending, the agriculture industry, or financially related experience.

Nice To Haves

Proficient interpersonal relations and communication skills.
Able to manage challenging customer situations.
Thorough knowledge of agricultural lending and related financial products and services and selling skills.
Capable of managing loans and customer relationships within the assigned portfolio under general supervision.
Handles duties within the required time expectations, delivering excellent internal and external customer service.
Excellent written and verbal communication skills with the ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit.
Ability to be recognized as a trusted advisor to customers.
Ability to spend a significant amount of time meeting with customers, prospects, and referral generators.
Knowledge of agriculture preferred.
Understand the local market and competition to carry out an effective individual sales plan (ISP) with direction from the supervisor.
Adaptable and flexible to a changing work environment.
Ability to travel to/from other branch offices, customer meetings, etc., as required.
Regular, predictable, and reliable attendance is required.

Responsibilities

Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expand existing relationships by proactively researching customer needs and matching bank products and services to those needs.
Interview applicants, gather, analyze, and reconcile complete, accurate credit and financial data including complete applications using the five credit factors under the guidelines of differential analysis.
Determines credit risk and makes timely and accurate decisions. Establishes and renegotiates credit terms, when necessary.
Communicates credit decisions to loan applicants within required timeframes. Independently originates single entity loans up delegated authority.
Services loans in a portfolio to retain high loan level quality. Review the progress of loans periodically. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems, or uncover opportunities for additional lending.
Guides customers seeking solutions to financial problems.