3 jobs found in Visalia

Job Description The Rabobank, N.A. Ag Relationship Manager is responsible to originate,  close, and service new and existing business in the market segment assigned, and for portfolio and risk management coordination with different areas within the bank. Actively develops and participates in a business development program to obtain new loans, deposits, and fee-based business. Cross-sells corporate financial products, including cash management, leasing, and treasury management services with profitability objectives. Works independently and in partnership with Financial Analysts and Loan Process Coordinators, and oversees underwriting and structuring of loans. Although supported by analysts, this position is ultimately responsible for credit quality and proper loan structure. Incumbent must understand credit needs of the client, and be able to recommend proper credit structure to meet client's financial needs. Participates in industry groups and community, civic events to promote Bank products and services. Qualifications The successful candidate will possess the following: Undergraduate degree in Business Administration, Accounting, Finance, or AG related field preferred plus 3 years of lending experience; or High School diploma with minimum of 9 years of progressively responsible lending and business development experience, preferably in an AG capacity Must be able to negotiate, structure, and underwrite loans, make solid credit recommendations, and manage credit risk Proficient with MS Word, and MS Excel Possess excellent human relations, communications, and business writing skills Ability to work effectively without direct supervision Ability to comprehend and interpret Bank policies and procedures Possess effective time management and organizational skills Demonstrates teamwork in facilitating workflow High level of cooperation with others and is responsive to the Bank's needs Exemplary motivation, enthusiasm, professionalism, and team skills High level of accuracy and great attention to detail Strong analytical and problem solving skills Possess full knowledge of retail banking services Ability to make administrative decisions Demonstrates with excellent customer service skills Ability to cope with pressure resulting from meeting required deadlines, reporting requirements, and training responsibilities Ability to make sound decisions for the Bank when utilizing signing authority Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive customer or employee information Ability to handle constant use of tact, discretion, and good judgment       All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, or veteran status. Job Duties Responsibilities will include and are not limited to the following: Portfolio management, establishing key relationships, business development, and promotion of the full range of Rabobank's services and products (i.e. cash management/ treasury products, trust services, swaps, etc.) Manages existing loans to ensure complete compliance with terms of approval and Rabobank, N.A.'s credit policy Follows existing loans to ensure complete compliance with terms approval; manages delinquencies at an acceptable level Develops a network of prospective client referral sources through community and business development activities Effectively represents the Bank while calling on potential or existing customers to develop new business and expand client relationships Interviews applicants to obtain sufficient information concerning their specific projects, financial needs, and goals to make acceptable risk determinations for proposed Bank loans Initiates promotion of other Bank products and services to strengthen client relationships Develops close working relationship with other divisional partners such as Retail Banking, REIG, Trust Services, Global Financial Markets, Equipment Leasing, and Treasury Services Makes credit solution recommendations Credit underwriting processes Understanding quality of the credit portfolio Timely recognition and reporting of potential credit issues Ensure the credit has accurate risk grading Works closely with credit administrators, financial analysts, and other support personnel to assure high level of quality in each credit application presented for approval Reviews and approves annual loan reviews completed by analysts, and ensures reviews are completed in a timely fashion Evaluates customer's needs, assesses customer's eligibility and suitability for certain products and negotiates acceptable product solutions utilizing product specialists as needed Gives financial and counsel to clients and prospective clients on RNA products Performs all other duties as assigned by supervisor Alexander Rosario

Job Description The Rabobank, N.A. Financial Analyst is responsible for underwriting and risk analysis of credit requests within assigned business line. Performs independent, objective, and detailed financial and collateral analysis of credit requests. In collaboration with relationship manager, responsible for structuring transactions, developing credit recommendations, and loan portfolio monitoring including covenant compliance. Independently classifies loan performance and recommends risk rating. Completes credit applications as assigned. Performs annual reviews as required on all credit relationships. Notes significant trends and recommends policy changes if necessary. Collaborates with stakeholders on credit related matters to ensure expeditious processing and improve client experience. Qualifications The successful candidate will possess the following: Undergraduate degree in Business, Accounting, Economics, or related field preferred with 2-4 years related accounting or financial statement analysis/lending experience; or equivalent combination of education and experience required Proficient with MS Word, MS Excel, MS Outlook and Internet Adept at utilizing financial software programs and other databases integral to compiling financial and collateral analysis spreads Must demonstrate excellent customer service skills with ability to communicate tactfully and listen attentively to the customer Possess good human relations, communications, and business writing skills High level of accuracy and great attention to detail Strong analytical and problem solving skills Able to make and support sound decisions Possess effective time management and organizational skills Able to cope with pressure resulting from meeting required deadlines and reporting requirements Demonstrate teamwork in facilitating workflow High level of cooperation with others and responsive to the Bank's needs Consistently demonstrate tact, discretion, and good judgment Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive information Able to work effectively without direct supervision Able to comprehend and interpret Bank policies and procedures Must be able to travel throughout bank's footprint to perform duties (less than 25%) IND1 SM1 HTF #LI-KH   All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, or veteran status. Job Duties Responsibilities will include and are not limited to the following: Conducts detailed, independent financial and collateral analysis on credit requests. Evaluates business plans, projections, operating records, and financial statements. Evaluates all types of collateral in relation to feasibility of transaction, market/industry conditions and loan structure. Supports conclusions based on factual data. Effectively communicates information and analytical results to stakeholders In collaboration with the relationship manager, identify risks of loan structure and participates in discussions with credit risk as required Identifies risks associated with each loan and mitigations to risks. Generates and recommends risk ratings Interprets and applies Bank policies, governmental regulations, and accounting theory Prepares reports and analyses in areas such as budgets, forecasts, financial plans, governmental requirements, statistical reports, cash flow projections, and business forecasts Performs industry research in various market areas to support transaction Participates on client calls and/or client relationships with relationship managers as assigned Performs all other job duties as assigned by supervisor Alexander Rosario

Job Description The Rabobank, N.A. Retail Market Manager is responsible for the overall management of retail banking-related activities within a defined market area. Functional areas include branch administration and management; consumer and small business lending; and deposit growth. Retail Market Managers will actively participates in the overall leadership strategy development within divisional team. Will serve as a liaison between defined market area retail offices under their supervision and other departments of the bank. Depending on the geographic location and market opportunity, Retail Market Managers may retain direct management of a branch as well as supervise other branches in a local area, or may be asked to supervise a larger group of branches without directly managing a specific home branch.   Retail Market Managers will be responsible to assign sales goals and efficient business strategies to achieve plans within that defined market area. Builds an environment that fosters teamwork and enhances task accomplishment through positive and supportive cooperation. Places company goals first when interacting with others at all levels. May directly supervise employees while overseeing assigned function(s). Carries out supervisory responsibilities in accordance with the Bank's policies and applicable law Qualifications The successful candidate will possess the following: Undergraduate degree in business, finance, or related field preferred. A minimum of 7 years experience managing a branch office. Successful track record in achieving sales goals and retaining and developing new business. Thorough knowledge of Bank operational policies and procedures, compliance regulations, and Bank product and services. The ability to effectively resolve employee and customer relations issues.   All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, or veteran status. Job Duties Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; managing and appraising performance; addressing complaints and resolving problems. In addition to direct management of a primary retail office in a designated market area, monitors and directs the growth and earnings performance for additional retail offices within the defined market areas. Formulates and expands business development activities (both deposit and loan volume) within the area through aggressive outbound calling activities, involving regular contact with existing and potential customers while managing deposit related risk. High level oversight of accounts within a defined market area. Ensures primary and defined market area retail offices operate within the budget, including expense account approvals. Ensures primary and defined market area retail offices comply with all appropriate regulatory requirements (with emphasis on BSA/AML oversight), which relate to retail operations, new accounts, and lending. Ensures primary and defined market area retail offices comply with established operation, information, and control systems as well as business development. Directs a proactive approach to customer satisfaction and customer retention. Listens to, and fully understands, the internal and external customer's needs. Interacts in an effective and positive manner with customers and co-workers. Communicates strategic direction and expectations of the Bank on a regular basis, and reinforces those concepts. Represents the Bank in the community and participates in community activities as appropriate. Must be able to work non-traditional workdays and/or extended hours.  Must be able to work non-traditional workdays and/or extended hours. As a representative of bank management, the employee is expected to accommodate reasonable requests by clients, prospective customers, civic and community organizations, and members of the bank's executive management. Provides direct leadership to subordinates in managing their roles in deposit generation and retention, portfolio and risk management, fee income, customer retention, service delivery, operational efficiency, and goal achievement. Performs all other job duties as assigned by supervisor. Alexander Rosario