Associate Relationship Manager

Fresno Madera Farm Credit is searching for a self-motivated, highly driven individual to join our fast-paced team environment. The Associate Relationship Manager shadows and supports a Relationship Manager in the origination, servicing, and management of loans. This role assists in maintaining a portfolio of commercial and mortgage loans while developing foundational skills in credit analysis, portfolio management, and customer relationship development.

• Assesses creditworthiness of borrowers by:
• Developing long and / or short- term financial projections based on customer financial data
• Analyzing capital, capacity, collateral, character, and conditions of the borrower
• Comparing Borrower’s overall financial position to industry and core lending standards
• Identifying gaps between application and credit standards
• Identifying credit risks
• Prepares Credit Reports that summarize findings/ risks
• Recommends loan applications for supervisor’s co-sign/ approval

• Identifies potential customers by engaging in the community and talking with realtors, attorneys, and others and researching landowner publications and legal documents
• Represents the Association at community events, seminars, conferences, and similar events
• Identifies opportunities to cross sell leasing and cash management services
• Participates in and contribute to local community organizations

• Contacts current and potential customers to understand their needs and explain the Association’s products and services
• Obtains customers’ financial information and provides to Credit function for assessment
• Analyzes financial and operational information to form overall assessment of the customer’s operation
• Presents recommended loan structure and pricing to the loan committee for loans above their individual credit authority
• Notifies customer of decision
• Collaborates with Relationship Mangers and Credit staff to monitor loans, assist with refinancing, and support delinquency management strategies.
• Contacts current customers to maintain strong customer relationships
• Develops loan servicing and marketing plans for customers

• Visits and communicates with customers and prospective customers with an experienced Relationship Manager
• Learns and applies best practice in customer relationship management, loan origination, and servicing under the guidance of senior Relationship Managers

• Reviews quarterly reports on loan servicing
• Recommends changes in risk rating based on loan activity

• Obtains customer and financial information and enters information into appropriate forms and databases

• Appropriately protects the confidentiality, security, and integrity of the Association’s systems and data and clients’ data

• General knowledge of credit administration principles
• Basic knowledge of agricultural operations and/or rural lending markets preferred.
• Ability to interpret and apply lending policies and regulatory requirements.
• Knowledge of Word/Excel/PowerPoint/Outlook sufficient to create, update and save basic documents
• Skill in establishing and maintaining relationships with a variety of internal and external organizations and individuals to advance the organization's interests and increase personal efficacy
• Skill in prioritizing assignments to complete work in a timely manner
• Skill in analyzing information to formulate logical and objective conclusions
• Skill in reading and understanding income statements, balance sheets, and other financial reports
• Skill in listening and conveying awareness of a customer's problem or issue to find resolution
• Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor, and customers

• Bachelor's degree in agriculture business, business, finance, or a related field
• 1-2 years of credit underwriting experience, loan support, financial services, or a related field preferred. Relevant internships, cooperative education, or equivalent experience in banking, credit, or agricultural finance will also be considered.
• Or an…