What are the responsibilities and job description for the Agricultural Portfolio Manager position at River City Bank?
Description
We are seeking an experienced Agricultural Portfolio Manager to join our commercial banking team. The ideal candidate will have a strong background in agriculture and finance, with a proven track record of managing agricultural portfolios.
In collaboration with the relationship team, the Agricultural Portfolio Manager maintains a commercial loan portfolio of secured and unsecured loans and lines of credit; provides a superior level of customer service to all current and prospective customers and tracks a variety of systems to ensure compliance with the loan agreement covenants. Employees in this job class handle routine to complex types of loans and retain current customers.
Essential Functions
1. Portfolio Management/Credit Analysis
- Works as part of a relationship team to share responsibility for the bank’s agribusiness portfolio. Assists Relationship Managers with portfolio management, partner collaboration, and client engagement to develop and grow new and existing agribusiness clients, including farmers, ranchers, and processors. Provides consistent high quality and professional service.
- Collaborates with Relationship Manager to negotiate and structure new and renewed agribusiness loans; makes recommendations on loan structure and terms to next appropriate level of authority. Reviews and analyzes financial data and other relevant information to determine each customer’s eligibility for credit within established underwriting standards and lending policies. Accountable for application and underwriting quality.
- Follows up on current credits to ensure compliance with terms and conditions, reviews collateral reports to ensure margin requirements are maintained, assesses transaction risk and assigns appropriate risk rating, and takes appropriate action to collect delinquencies.
- Serves as a mentor and provides consistent training and feedback to Credit Analysts and Credit Associates to help maintain a risk-focused approach to credit analysis. Identify and recommend strategies to mitigate portfolio risk.
- Ensures that all approved Credit Authorizations succinctly and cogently address the key credit issues.
- Identifies and takes appropriate action in a timely manner to improve the Bank’s position with regards to problem loans in assigned portfolio.
- Meets at least quarterly with CEO, CCO and Commercial Banking Director to discuss the existing risk rating on all significant loan relationships and takes appropriate relationship action to mitigate identified risks.
2. Compliance/CRA
- Ensure the portfolio administration and risk management of each client relationship complies with established credit policy, procedure and business strategy, as well as commercial and regulatory guidelines.
- Participates actively in community activities to enhance the bank’s image, visibility and to reinforce the bank’s commitment to CRA.
- Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and bank policies, procedures, and regulations.
Requirements
- Bachelor’s degree in business and/or finance from an accredited college or equivalent work experience.
- Minimum of five years proven and progressive experience in financial or banking services in commercial lending with prior experience as a Portfolio Manager, Commercial Underwriter / Analyst, or Relationship Manager.
- Knowledge of accounting, financial statement, and cash flow analysis. Excellent communication (both written and verbal), interpersonal and problem-solving skills. Proficiency in personal computers and related software.
Additional Comments:
River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws. Note: River City Bank does not sponsor applicants for work visas.
For CA residents please read the Notice at Collection - California before applying.
Salary : $110,000 - $150,000
