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Agriculture Credit Manager --- Central and Northern CA

Company: Umpqua Bank
Location: Normal
Posted on: January 15, 2020

Job Description:

JOB PURPOSE Reviews, approves, declines, or recommends commercial and agricultural credit applications within assigned approval limits while maintaining risk exposure consistent with bank loan quality guidelines. ESSENTIAL DUTIES AND RESPONSIBILITIES - Review preflight memos and credit recommendations within a defined scope for accuracy, and approves or declines them within their respective credit approval limits. - Collaborates with commercial and agricultural bankers to develop high quality loan portfolios. - Coach bankers in the development of complete, accurate and well-structured credit recommendations, including guidance and advice on financial analyses, loan structuring and other credit skills. - Helps maintain commercial credit quality standards and provides strong and consistent credit leadership. - Monitors and verifies risk rating accuracy on loans submitted for approval. - Advises loan officers on the risk rating process and ensures timely documentation of migrations. - Ensures lending staff is aware of all relevant changes in credit requirements. - Contributes to the development of credit policies, processes and methodologies. - Develops and analyzes financial background data for new or renewed loans. May engage with existing or prospective clients as part of the banks due diligence and monitoring activities. - Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. - Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. - Maintain a working knowledge of Bank's written policies and procedures regarding - Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. - May be asked to coach, mentor, or train others and teach coursework as subject matter expert. - Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. - Takes personal initiative and is a positive example for others to emulate. - Embraces our vision to become "The World's Greatest Bank." - May perform other duties as assigned. SUPERVISORY RESPONSIBILITIES None. REQUIRED KNOWLEDGE, SKILLS AND ABILITIES - Requires a bachelors degree or equivalent. - 10+ years of relevant commercial and/or agricultural lending and credit experience. - Experience developing, modifying, and executing company policies that affect immediate operation(s) and company-wide effect. - Commercial Credit Review Manager Page 2 of 2 - Ability to regularly interact with senior management or executive levels on matters concerning several functional areas, divisions and/or customers. - Requires the ability to change the thinking of, or gain acceptance of, others in sensitive situations. - Excellent relationship management and business development abilities, analytical and problem solving skills, sales skills, and credit and credit quality skills with prior lending authority experience. - Proven track record of success in developing new clients and business, including prospecting, sourcing and networking. - Expert knowledge of commercial C & I bank products and services that result in successfully capitalizing on all opportunities to cross-sell the banks products. - Experience managing and developing others and ability to build and maintain relationships. - Excellent planning and organization skills with the ability to change course - (adaptable) at a moments notice. - Excellent written and verbal communication skills. - The ability to change the thinking of, or gain acceptance of, others in sensitive situations. - Proficiency with personal computers and related software packages such as Word and Excel, and other business machines. - Ability to train and present to small and large audiences or has the interest in learning to train and present. - Ability to work under tight timelines, and high volume levels in keeping with established Service Level Agreement for position. - Occasional agricultural crop inspections or livestock inspections PHYSICAL AND ENVIRONMENTAL DEMANDS - Work involves sitting, occasional walking, and lifting up to 10 pounds. - Requires close visual acuity. - Normal office environment. - Occasional Travel No relocation offered. About Us We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. It's no wonder we've made "Fortune's 100 Best Companies to Work For" eight years in a row. But greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank. Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. #LI-JL1

Keywords: Umpqua Bank, Normal , Agriculture Credit Manager --- Central and Northern CA, Executive , Normal, Illinois

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