Agricultural and Commercial Relationship Manager

At Richwood Bank, our purpose is to inspire, protect, and celebrate anything that makes communities thrive.

Have you ever wanted to work for a company that exceptionally lives its values? One hundred and fifty years ago, we began as a small community bank. Today, we are still a community bank – as well as a payroll processing team, a marketing agency, a coffee shop, and more. We have flipped the switch on traditional banking. Yet, we have always aimed to provide the very best customer experience, contribute to the greater good of our local communities, and make every effort to be the best employer in the area with a company culture that works hard to develop, recognize, and award its team members.

Richwood Bank has a comprehensive benefits package for full-time employees including, but not limited

to, medical and wellness program, dental, vision, employee assistance plan, life insurance and

supplemental short-term disability. Full time and part time employees have access to a 401(k) plan, and

enhanced Wellness program, tuition reimbursement, and tons of professional development

opportunities!

The Agricultural and Commercial Relationship Manager is knowledgeable of Richwood Bank's full

spectrum of loan and banking services. This role is responsible for acquiring and retaining commercial

banking relationships. This role is responsible for evaluating and recommending the best products for

our business customers' needs, helping our customers through the application process from initial

paperwork to gathering necessary financial information and documents.

Richwood Bank prides itself on a unique company culture and all team members should be active and engaged participants.

Essential Functions

• Adheres to Richwood's management routines, provides guidance to team members, conducts coaching, delivers discipline, and completes performance reviews.
• Build and maintain strong relationships with commercial clients, understanding their business needs and financial goals.
• Identify and screen new business opportunities for prospective clients, focusing primarily on agricultural and commercial lending opportunities and cross-selling and referring deposit relationships.
• Identify and pursue new business opportunities by networking, attending industry events, and leveraging existing relationships.
• Develop customized lending solutions that align with client needs while adhering to the bank's credit policies and risk management guidelines.
• Provide support to existing commercial and business banking clients, often coordinating with customer service, treasury management, portfolio management, and operations staff.
• Ensure all loan documentation is complete and accurate, and that all transactions comply with regulatory requirements and internal policies.
• Conduct thorough credit assessments, including financial statement analysis, collateral values, cash flow projections, and risk evaluations to determine loan eligibility.
• Stay informed about market trends, economic conditions, and competitive landscape to provide clients with relevant insights and advice.
• Act as a primary point of contact for negotiations and issue resolution for the clients in your portfolio.
• Develop, maintain, and analyze various reports and financial data for tracking and reporting, developing business banking solutions, resolving issues, and minimizing risk.
• Provide all information required to assist the credit staff in the preparation, analysis, and delivery of credit solutions for new and existing clients.
• Ensure approval and rejection records are being maintained
• Processes Loan applications, collects financial data, establish payment plans, and presents loan proposal details to prospective borrowers.
• Accurately enters customer financial information in to processing software. Scans all documents and prepares files for loan administration processing.
• Documents customer history and background for loan request as required for federal auditing committee
• Collects and submits information for loan committee worksheets for presentation to loan committee
• Works with loan processing to order appraisals, title work, and any closing loan docs
• Performs Uniform Commercial Code (UCC) and federal tax lien searches as needed
• Inspects construction progress on applicable loans
• Attends loan closing event and prepare all post-documentation for filing
• Reviews past due accounts and contact customers to inquire about payment
• Completes and submits loan maintenance forms when loan addendums are required.
• Orders Loan payoffs
• Contacts current loan customers with substantial loans for annual financial information collections as required by federal reserve
• Attends meetings and other committees
• Responds to Security Alarms if they are triggered
• Participates in assigned trainings
• Assists branch personnel with general opening/closing procedures and dual control measures when staffing requires
• Ensures work completed is accurate and appropriate. Verifies and validates all data to confirm accuracy and reliability. Paying close attention to details of all information received and entered.

Skills and Abilities

• Excellent customer service skills
• Must possess strong interpersonal skills
• Must be adept at problem solving, including being able to identify issues and resolve programs in a timely manner
• Must be able to communicate clearly, both written and orally, as to communicate with employees, and members of management team
• Dependable and punctual
• High degree of accuracy
• Detailed and organized
• Always maintain confidentiality
• Maintain a positive can-do attitude towards your team and customers
• Driven to succeed and open minded to learn more about new technology within our industry
• Familiarity with financial terms and practices
• Ability to gather, analyze, and assess data
• Accurate typing skills; basic computer skills, including the use of word processing, spreadsheet software applications, and e-mail

Education

• High School Diploma or GED required
• Bachelor's degree in finance or business administration (or equivalent degree) or equivalent years of experience required
• 3 years banking experience preferred
• Sales experience preferred

Equal Opportunity Employer/Disability/Veterans. Richwood Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.