Agricultural Lender

United Bank of Southwest Alabama & Northwest Florida; Atmore (AL); On-site; USD 60,000 - 80,000; Full time

Job summary

United Bank of Southwest Alabama & Northwest Florida is looking for an experienced Agricultural Lender to join their Agriculture Division in Atmore, Alabama. This key role involves supporting farmers and agribusinesses through financial expertise, relationship management, and exceptional customer service.

The Agricultural Lender will develop new business, manage an active loan portfolio, and participate in community events, while remaining informed on industry trends and regulations.

Qualifications

• Proven experience in agricultural lending or related field.
• Strong understanding of loan and deposit solutions.
• Ability to analyze financial status and credit.

Responsibilities

• Interview applicants to determine loan requirements.
• Analyze applicant’s financial status and credit.
• Prepare financing proposals and review loan documentation.
• Manage an active loan portfolio and achieve production goals.
• Provide exceptional customer service.

Skills

Financial expertise

Relationship management

Customer service

Loan portfolio management

Understanding of agricultural business

Job description

Overview

United Bank is seeking an experienced Agricultural Lender to join our Agriculture Division. This role plays a key part in supporting farmers, agribusinesses, and rural communities by providing financial expertise, relationship management, and exceptional customer service. As an Agricultural Lender, you will develop new business, manage an active loan portfolio, and be a trusted advisor to customers across our service footprint.

Primary Duties & Responsibilities

The Agricultural Lender has a well-developed understanding of the agricultural business segment including loan and deposit solutions, government programs, relevant crop insurance programs and competitive landscape. Primary duties and responsibilities include but may not be limited to:

• Interviews applicants to determine loan requirements and gathers pertinent information for loan applications. Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant’s evaluation.
• Analyzes applicant’s financial status, credit, and asset evaluation to determine feasibility of granting loan, establishes credit limit through written and/or oral assessment.
• Prepares financing proposals
• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensures timely loan closing and funding activities.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, past dues, technical exceptions and portfolio monitoring.
• Achieve loan production goals.
• Remain current on industry trends and regulations.
• Participate in community and volunteer events.
• Provide exceptional customer service and financial guidance.
• Any other duties as assigned by Management.