The Senior Agriculture Relationship Manager develops and manages complex relationships with agricultural producers and agribusinesses, supporting their borrowing, operating, deposit, and day-to-day banking needs. The role is responsible for delivering strategic and value-added financial advice, originating current business, structuring complex lending solutions, and managing significant member relationships throughout the credit lifecycle.

The Senior Relationship Manager is expected to operate with a high degree of independence and exercise advanced credit judgment in managing complex agricultural relationships and transactions. The role provides well-supported recommendations on higher-risk situations, material policy exceptions, specialized operations, succession, expansion, restructuring, and other matters requiring senior expertise. All recommendations and lending activities must align with BVCU’s strategic objectives, credit policies, delegated authorities, and prudent risk management standards.

Success in this role requires demonstrated relationship-management and business-development results, advanced credit capability, strong agricultural industry knowledge, sound judgment, and the ability to strengthen team capability through mentorship, constructive challenge, and leadership on significant files and initiatives.

KEY ACCOUNTABILITIES:

Member Experience & Strategic Relationship Management

- Build and maintain strong, trust-based relationships with agricultural producers and agribusinesses members.
- Act as a senior trusted advisor by developing a comprehensive understanding of each member’s operation, financial position, strategic goals, risk profile, and changing banking needs.
- Provide timely, practical,



and strategic advice throughout the relationship, coordinating with branches and internal partners to deliver a consistent member experience.
- Conduct on-farm and business site visits to maintain strong member relationships and support informed credit and relationship decisions.
- Represent BVCU professionally within agricultural communities and strengthen BVCU’s credibility and presence in the Alberta agriculture market.

Agriculture Credit & Portfolio Management

- Lead the assessment and structuring of complex agricultural credit by applying advanced financial analysis, sound credit judgment, and a comprehensive understanding of repayment capacity, collateral, industry conditions, and other relevant information.
- Structure and negotiate lending solutions that appropriately balance member objectives, pricing, profitability, portfolio considerations, and risk.
- Prepare or oversee complete, well-supported credit submissions for complex new, renewed, increased, amended, or restructured lending requests, including senior recommendations to Credit Committee or other approval authorities as required.
- Work collaboratively with Commercial Lending Analysts in the preparation and management of credit requests while remaining accountable for member strategy, transaction structure, the quality and completeness of the credit submission,



and the recommendation presented for approval.
- Provide proactive oversight of assigned relationships throughout the credit lifecycle, ensuring appropriate monitoring and timely action in response to covenant concerns, financial deterioration, emerging risk, or changing member circumstances.
- Exercise lending authority as assigned and provide clear, independent, and well-supported recommendations on matters requiring senior credit judgment.

Business Development & Full Relationship Growth

- Originate high-quality agricultural and agribusiness relationships through proactive business development, member referrals, professional networks, branch partnerships, community involvement, and participation in agricultural events.
- Develop strategic, multi-product relationships with accountability for appropriate growth across lending, deposits, operating banking, cash management, payment, and ancillary services.
- Identify opportunities to deepen member relationships while ensuring solutions provide sustainable value to both the member and BVCU.
- Develop and maintain strong relationships with professional advisors, agricultural organizations, industry participants, and other referral sources that support member service, market presence, and portfolio growth.

Senior Credit Leadership & Team Development

- Act as an escalation and technical resource for Relationship Managers and Commercial Lending Analysts on complex agricultural credit, transaction structuring, policy interpretation, difficult negotiations, and emerging portfolio risks.
- Provide coaching, mentorship, and constructive challenge that strengthens credit judgment, relationship-management capability, an

📌 Senior Agriculture Relationship Manager (Cochrane)
🏢 Bow Valley Credit Union
📍 Cochrane