Senior Relationship Manager
About the role
CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.
Benefits
- Time-Off Packages: 20 days of vacation, 10 paid sick days, 11 paid holidays
- Competitive Compensation & Incentive
- Hybrid work model: flexible arrangements for most positions
- Benefits Packages: 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
Responsibilities
- Manages significant account relationships with existing and prospective customers in assigned market and/or industry segment.
- Maximizes credit and financial services provided to the customer to enhance the bank's profitability goals.
- Implements marketing and account servicing plans to capitalize on marketing opportunities within assigned segment.
- Works independently to develop new business and manage existing portfolio.
- Mentors and provides guidance to junior level staff.
- Supports the achievement of profitability and credit goals for the division through day-to-day management of account relationships.
- Independently manages the day-to-day customer relationship of complex, highly visible accounts.
- Meets regularly with customers and gathers information on their businesses, needs, strategic direction, and earnings to determine business opportunities.
- Develops relationships with Farm Credit System partners to generate new business and increase or retain existing business.
- Independently identifies opportunities to cross-markets CoBank’s products and services to meet goals for assigned accounts.
- Develops and implements plans to capitalize on marketing opportunities.
- Guides the development and analysis of financial data for new or renewed financing arrangements.
- Recommends decisions on loan terms and loan servicing actions within approved limits on assigned accounts.
- Manages to profitability and credit quality targets for portfolio.
- Guides credit analysis area in the development and analysis of financial background data for new or renewed loans.
- Prud