*One position available, qualified candidate will work in the Shoemakersville, PA branch office. This lending position will cover the following counties: Northampton, Lehigh, Carbon, Northern Montgomery, Pike, Monroe and Bucks.

Position Description: Agricultural Relationship Manager serves as a confident financial professional through the delivery of sound credit and financial services within regulations and policies. Formulates business development strategies, develops customer relationships, and actively manages a portfolio. Promotes related services, participates in public relations activities, and develops a favorable Farm Credit image in the community. Assists regional team and Association in meeting its goals and objectives through effective teamwork, cooperation, and communication.

Areas of Responsibility Include:

• Develops new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community. Expands existing relationships by proactively researching customer needs and matching bank products and services to those needs.
• Interview s applicants, gathers, analyzes and reconciles complete, accurate credit and financial data including complete applications using the five credit factors under the guidelines of differential analysis.
• Determines credit risk and makes timely and accurate decisions. Establishes and renegotiates credit terms, when necessary.
• Communicates credit decision to loan applicants within required timeframes. Independently originates single entity loans up to delegated authority.
• Services loans in portfolio to retain high loan level quality. Reviews progress of loans on a periodic basis. Makes periodic calls on loan customers to evaluate management, inspect collateral, detect signs of potential financial problems or uncover opportunities for additional lending.
• Monitors delinquent reports and counsels with customers to bring accounts current. Provides guidance to customers seeking solutions to financial problems.

REQUIREMENTS:

• Bachelor's degree or equivalent experience in Business Administration, Agriculture, Economics, Finance, or related field.
• Generally, two to five years of related experience in sales, commercial lending, agriculture industry, or financially related experience.
• Capable of managing loans and customer relationships within the assigned portfolio under general supervision.
• Proficient interpersonal relations and communications skills.
• Handles duties within the required time expectations, delivering excellent internal and external customer service.
• Excellent written and verbal communication skills with ability to employ diplomacy and tact with customers and prospects while articulating the benefits of Farm Credit. Self-starter; computer literate; problem-solving & time management skills; knowledge of agriculture.
• Understands local market and competition to carry out an effective market development plan (MDP) with direction from supervisor.
• Spends significant amount of time meeting with customers, prospects, and referral generators.
• Adaptable and flexible to a changing work environment.
• Prolonged periods sitting at a desk and working on a computer.
• Ability to lift up to 15 pounds at times.
• Ability to be assertive and decisive in arriving at sound business decisions which serves the best interest of the association and borrower.

Equal Opportunity Employer including veterans and individuals with disabilities.