Associate Relationship Manager - Retail

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

BASIC FUNCTION:

The Associate Retail Relationship Manager is responsible for developing business by leveraging data to identify new customers and opportunities while utilizing technology to deliver an exceptional experience positioning AAC as a trusted partner. The Associate Retail Relationship Manager connects with customers to understand their business and deliver timely financial solutions that meet their needs. This role requires knowledge of varied market segments and the risks associated with the agricultural industry and commodities being financed. Core responsibilities are completed in office with no assigned portfolio and focuses on lead conversion, approving/denying loan applications, cross-selling, and marketing new business through strategic community relations’ activities and various data sources.

This role offers a great opportunity to significantly contribute to innovation that has high impact, and that creates tremendous value within the division and association.

ASSOCIATE RELATIONSHIP MANAGER ESSENTIAL FUNCTIONS:

• Largely focused on lead and referral conversion from internal and some external sources to generate new business
• Works with leaders and sales teammates to identify key relationships and activities to defend core business and establish relationships with existing customers
• Engaged in trade and community events in partnership with marketing and sales teammates to represent AAC and build a personal network of referral resources
• Reviews entity structures to determine appropriate liability and signing requirements of applicants
• Developing and applying an understanding of financial statements and tax returns in order to accurately calculate and enter financial metrics
• Acts as final approver when customer request fits scorecard assisted underwriting metrics, or partners with underwriting team on requests requiring additional review
• Follows up with auto-renewals to verify appropriate line commitment and usage, along with any other operational changes of the customer
• Monitors and communicates with past due customers to facilitate receipt of payment
• Utilizes CRM system to maintain quality data and track sales process
• Develops a knowledge of broad and local area risks associated with agricultural industries and commodities being financed
• Able to navigate and overcome objections regarding fees, rates, and product terms while completing transactions
• Demonstrated ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and determine the order in which each will be addressed; sets priorities, goals, and timetables to achieve maximum productivity
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance
• Interacts and communicates regularly and effectively with leadership and staff within the Retail Channel and across the association
• Performs other duties as assigned

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Makes independent decisions within Retail Banking Designated Loan Area. Works under the supervision of the Director of Retail Banking.

TYPICAL EDUCATION AND EXPERIENCE:

Associate Retail Relationship Manager

• AA/AS degree with emphasis on agribusiness, business administration, finance or equivalent; BA/BS preferred.
• Minimum of 1 year of progressively responsible banking or related agricu