Agricultural Lending, Relationship Manager

Southeast Region

(Northern AL, Northern GA, NC, SC, TN, VA)

(Regional ag lending role, from a home office)

Are you an agricultural lender interested in providing funding solutions for farming and agribusinesses?

Do you possess the drive to build and grow a regional book of ag loans, controlling your own schedule, from a home office–fueled by a proprietary, innovative and growing suite of products?

Do you see yourself calling on producers and connecting them with common sense financing?

Are you open to joining a growing team providing much needed options in today’s agricultural landscape?

We've partnered with a team of seasoned agricultural, finance, and technology experts. They've collaborated with leading capital management firms to revolutionize farm operating loans. This team now offers crop operating loans nationwide, transforming agricultural lending with cutting-edge, innovative credit products. Their approach to operational financing reorients working capital lending to align with the current realities and future prospects of North American farming, specifically by basing loans on the ability to produce a successful crop. Their products synchronize agricultural lending with fundamental shifts in farm operations, particularly the transition from asset-heavy land ownership to non-owner operators.

Traditional lending often falls short for many producers and farm operators. Our client addresses this gap with innovative financing solutions that help manage growth and agronomic risk. They provide operating capital to producers with lighter balance sheets, focusing on a proven track record of efficient and profitable production rather than land value.

These independent loans can cover 100% of a grower's crop year budget. This empowers borrowers to negotiate better terms, make efficient decisions, and operate with greater independence. The flexible size, term, and timing of their loans also enhance marketing and purchasing power for a growing segment of US producers.

Our client, an outcome-based lender, empowers growers to make more profitable and timely decisions through a proprietary, advanced technology lending platform that offers higher advance rates than traditional lenders. As an unregulated ag lender, the company boasts leadership and flexibility, allowing for innovation unhindered by regulation. With few limits on loan origination size, parameters, or access to capital, and backed by a leading global capital markets firm committed to being a top provider of ag working capital, our client's value proposition is to foster true independence for producers by leveraging cash to reduce costs and boost profitability.

Why is this beneficial to you?

Our client is strategically positioned to address a growing need in the agricultural lending sector. The landscape of farming is rapidly evolving, marked by significant farm consolidation and a demographic shift towards younger farmers. This has led to an increasing amount of rented land being farmed by skilled producers, creating a promising environment for innovative, flexible lending solutions. We are at the forefront of this explosive growth, with smart agricultural lending and technology playing a crucial role in the new rural economy.

A robust suite of products and services, including a dedicated Real Estate product and early capital solutions for large producers, makes our client highly competitive. This unique offering allows them to effectively serve both renter/operators and established landowners.

If you are an ag lender with a desire to work with cutting-edge technological tools, this could be exactly the right opportunity to grow with an innovative player in the agricultural lending arena. 

THE ROLE:

Ag Territory Relationship Manager:

Our client is seeking dedicated, high-performing professionals to join their expanding sales team. This fully employed, boots-on-the-ground position is responsible for originating and renewing agriculture-based loans within an assigned territory.

The successful candidate will build long-term business relationships that deliver value at the farm gate, working directly with growers. This role requires close coordination with Our client staff to ensure a seamless customer experience throughout the loan origination process, supporting the achievement of the company’s growth goals.

This is a home-office-based, revenue-generating position that requires a self-starter. The primary goal is to develop and maintain grower relationships to increase the adoption of our client’s lending solutions.

Our client uniquely combines agricultural lending with agricultural technology. Therefore, a key aspect of this role involves educating and supporting customers in effectively utilizing the technology offering. The successful candidate will also need to be proficient in using technology for their own reporting and communications.

Key responsibilities include documenting and monitoring to ensure adherence to internal policies, procedures, and objectives. This role ensures documentation complies with organizational guidelines, loan committee approvals, and state/federal regulations. Relationship Managers also conduct periodic loan asset monitoring and assist in identifying potential deterioration in loan quality. 

RESPONSIBILITIES: 

Sales and Relationship Management:

• Develop and execute sales plans to optimize growth, aligning with marketing strategies.
• Identify potential customers within a defined geographical region and utilize the company's CRM system to manage customer profiles and strategically build relationships.
• Clearly communicate the value proposition of our client's financing solutions, tailoring it to each customer through a consultative selling approach.
• Collaborate with colleagues across the organization to ensure a seamless customer experience throughout the loan origination and servicing processes for qualified leads.
• Actively network with high-value businesses and establish/maintain third-party relationships to enhance our client's reputation and brand awareness.
• Coordinate with internal colleagues as needed to address customer-specific scenarios.
• Work with leadership to support the quality and accuracy of revenue forecasting, tracking, and reporting.
• Pilot and implement new offerings/solutions for identified accounts as required.

     Credit and Loan Servicing:

• Collect financial information and assist the credit department in assessing creditworthiness, identifying credit risk, and developing mitigation strategies.
• Support the servicing of loan portfolios to ensure compliance with regulations and policies.
• Provide guidance to borrowers, including assistance with advance scheduling.

KNOWLEDGE, SKILLS & ABILITIES:

• Relationship Building: Proven ability to build trust and rapport with prospective customers by clearly articulating complex value propositions.
• Product Knowledge: Aptitude to quickly master our client's product structure, lending criteria, and customer benefits.
• Consultative Sales Expertise: Demonstrated successful track record using a consultative sales approach, including:
• Customer development
• Customer relationship building
• Customer needs analysis
• Agricultural Finance Acumen: Familiarity with agriculture commodity hedging programs and practices, as well as basic farm financial management.
• Analytical and Process Management: Demonstrated critical thinking and process management abilities.
• Communication: Strong communication and listening skills.
• Technical Proficiency: Demonstrated skills in general business software applications and CRM systems.
• Lending Understanding:
• Understanding of relevant financial documents pertaining to agricultural lending.
• Aptitude in understanding key underwriting ratios used in agricultural lending.

TRAVEL: 

● Paid travel within the assigned geographic area where and when appropriate. 

EDUCATION & EXPERIENCE: 

• Bachelor's degree (B.A.) from four-year institution, preferably in agriculture or related course of study
• Minimum of 10 years’ experience in direct-to-farm agricultural sales or business development 
• Minimum of 4 years of agricultural lending or equivalent

COMPENSATION & BENEFITS:

• Flexible compensation structures
• Uncapped commissions
• Mileage reimbursement. Sales and marketing expenses paid
• Top producers are in the $300k plus range annually
• Health, Life, Dental, Vision and Disability insurance
• 401K match 
• Paid time-off
• Desktop, Laptop and Tablet provided. 

CONTACT INFORMATION: 

If you have further questions, please feel free to text, call or email us below:

AG HeadHunters

(615) 686-2099 info@agheadhunters.com www.agheadhunters.com 

If you’ve read enough and you’re ready to apply, please click here: 

Regional Relationship Manager Application

KEYWORDS:

Agricultural Lender, Ag Lender, Ag Sales, Business Development, Lending professional, Banker, Agribusiness, Production Agriculture, Crop Production, Ag Financial Management, Agricultural Lending, Working Capital, Operating Loans, Financing Solutions, Production-based lending, Ag Real Estate (RE), Cattle Financing, Livestock Loans, Equipment Loan, Inventory Loan (Grain Elevators), Loan Origination, Ag Tech, Smart Technology, Advanced technology lending platform, Technology-based solutions, Work from home, Home office

An Equal Opportunity Employer: The Company is an equal opportunity employer and complies with all applicable federal, state, and local anti-discrimination laws. We do not discriminate on the basis of race, color, national origin, age, religion, veteran status, marital status, sexual orientation, gender, or any other protected characteristic. Employment decisions are based on an individual's ability to perform the essential functions of the position, with or without reasonable accommodation, and no person shall be denied employment solely due to a disability unrelated to these functions.