Lead Relationship Manager - Corporate Finance

Benefits Overview

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best!

 

Benefits Offered by CoBank

• Careers with a purpose
• Time-Off Packages, 20 days of vacation, 10 paid sick days and 11 paid holidays
• Competitive Compensation & Incentive
• Hybrid work model: flexible arrangements for most positions
• Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance
• Robust associate training and development with CoBank University
• Tuition reimbursement for higher education
• Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match
• Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution
• Associate Resource Groups: creating a culture of respect and inclusion
• Recognize a fellow associate through our GEM awards

 

Job Description

Manages the overall profitability and credit quality of a large and complex loan portfolio. Recommends credit decisions as appropriate. Develops and implements marketing and account servicing plans to capitalize on marketing opportunities within assigned market and/or industry segment. Develops and supports the division's account management responsibilities. Develops new business and manages existing portfolio. Provides mentoring and coaching support to other staff, and may manage some staff.

Essential Functions

• Participates in establishing overall profitability targets for the portfolio in conjunction with bank/group profitability targets.
• Supports deal structuring and manages large and complex loan portfolio. Analyzes, structures, and obtains credit approval for transactions.
• Cross-markets all CoBank products and services to meet new business goals for assigned portfolio. Develops and implements plans to capitalize on marketing opportunities.
• Builds portfolio, manages relationships, and develops new business. Meets regularly with customers and gathers information on their businesses, needs, strategic direction, and earnings to determine business opportunities.
• Serves as primary negotiator on complex credits. Negotiates multi-lender credit facilities and inter-creditor agreements. Negotiates and documents terms and conditions.
• Makes decisions on loans or makes recommendations at the highest lending limits. Recommends actions in keeping with own analysis of credit worthiness. Prudently services loans to protect CoBank interests and minimize loan losses.
• Participates in planning activities for the group. Contributes expertise to the process on areas of responsibility.
• Understands competition’s terms and pricing and recommends changes on assigned portfolio to adjust to market.
• Maintains expertise in a designated market/industry segment and keeps abreast of industry trends, technology, regulatory requirements and the competitive environment. Studies industrial, commercial, and financial situations relating to new or existing businesses as requested. Makes recommendations on financial and organization structure, locations, and other business-related issues. Provides additional guidance or advice to customers as appropriate.
• May supervise staff. Supervisors set performance standards, manage workflow, grant authorities, evaluate performance, and recommend personnel actions within delegated authorities. Consults with Human Resources as appropriate.

Education

• Bachelor's Degree required

Work Experience

• 10 years of experience preferably in banking or financial services industry. preferred

Physical Exertion Details

Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Travel Requirement Details

Regular Travel occurs on a consistent basis (typically, once a week or every other week).

About CoBank

The typical base pay range for this role is between $174,500 - $214,660. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The list