Commercial/Ag Relationship Manager I (40643)

SECURITY FINANCIAL BANK•Bloomer, WI

20d•Onsite

About The Position

Security Financial Bank (SFB) is seeking an Agriculture Relationship Manager to support and grow our agricultural banking portfolio in the Bloomer, WI market. This role is responsible for developing and maintaining strong relationships with farm operators, agribusinesses, and rural enterprises by delivering tailored lending and deposit solutions. The position works closely with internal credit and banking partners to support sound lending decisions that strengthen both our customers and our communities. As an Agriculture Relationship Manager, your role will be centered on agricultural lending and relationship development and will include: Managing and growing a portfolio of agricultural and agribusiness customers Developing new agricultural lending and deposit relationships aligned with strategic and annual goals Working closely with Credit Analysts to evaluate financial information, cash flow, collateral, and overall creditworthiness Structuring and negotiating loan terms, pricing, and repayment options in accordance with bank policy Preparing and presenting loan requests for approval, including requests exceeding individual lending authority Ensuring accurate documentation and timely loan closing and funding Utilizing government lending programs when appropriate to meet customer credit needs Participating in portfolio monitoring, collections, or workout situations as needed Representing the bank through community involvement, agricultural events, and industry organizations Collaborating with internal partners to ensure compliant, customer-focused banking solutions

Requirements

Bachelor’s degree or an equivalent combination of education and experience
Minimum of three (3) years of experience in agricultural lending, including portfolio development
Strong understanding of agricultural operations, cash flow analysis, and credit evaluation
Knowledge of agricultural production cycles, industry trends, and risk factors
Experience evaluating agricultural collateral, including farmland, livestock, equipment, and ag real estate
Working knowledge of loan documentation, deposit products, and lending policies
Strong interpersonal, communication, and relationship-building skills
Proven sales and business development capabilities
Effective problem-solving and decision-making skills
Ability to manage multiple priorities and deadlines
Ability to exercise sound judgment and maintain confidentiality

Nice To Haves

Formal credit training preferred
Insurance license preferred or willingness to obtain

Responsibilities

Managing and growing a portfolio of agricultural and agribusiness customers
Developing new agricultural lending and deposit relationships aligned with strategic and annual goals
Working closely with Credit Analysts to evaluate financial information, cash flow, collateral, and overall creditworthiness
Structuring and negotiating loan terms, pricing, and repayment options in accordance with bank policy
Preparing and presenting loan requests for approval, including requests exceeding individual lending authority
Ensuring accurate documentation and timely loan closing and funding
Utilizing government lending programs when appropriate to meet customer credit needs
Participating in portfolio monitoring, collections, or workout situations as needed
Representing the bank through community involvement, agricultural events, and industry organizations
Collaborating with internal partners to ensure compliant, customer-focused banking solutions