Agricultural Lender
United Bank of Southwest Alabama & Northwest Florida, Atmore, AL, United States
Company Overview
United Bank has a proud history of serving and empowering local communities since 1904. Committed to providing comprehensive financial services, we support farm families, small businesses, and individuals alike with affordable loans and innovative banking solutions.
Make your application after reading the following skill and qualification requirements for this position.
About the Role We are seeking an experienced Agricultural Lender who combines production capability with strong agricultural knowledge to serve and grow our rural markets. This role is ideal for an Ag Lender, Relationship Manager, Loan Officer, or Credit Professional with real agricultural exposure who understands both the business of agriculture and the importance of long‑term, trusted relationships. You’ll work directly with farmers, producers, and agribusiness owners—building relationships, structuring sound credit solutions, and serving as a trusted financial partner. This position operates with meaningful autonomy and is well‑suited for professionals comfortable working independently in rural, relationship‑driven markets. What You’ll Do Develop, manage, and grow a portfolio of agricultural lending relationships Proactively originate new business through community involvement, referrals, and local presence Structure, underwrite, and close agricultural loans including: Operating lines of credit Term loans Real estate financing Equipment financing Analyze borrower financials, cash flow, collateral, and repayment capacity Write clear, well‑supported credit narratives and loan presentations Manage portfolio performance, including renewals, modifications, and risk monitoring Build strong internal partnerships with credit and operations teams Represent the bank at community, agricultural, and industry events Agricultural Expertise We’re Looking For Strong working knowledge or hands‑on experience with one or more of the following: Row crop operations Cattle and livestock Poultry Timber / forestry General farm operations and ag cash‑flow cycles Who This Role Is For This position is targeted to professionals with real agricultural lending or ag finance experience, including: Agricultural Lenders Relationship Managers or Commercial Lenders with ag portfolios Loan Officers with production responsibility Credit Analysts or Credit Professionals with direct agricultural exposure Candidates with Farm Credit, community bank, or regional bank backgrounds Credit‑focused professionals are encouraged to apply if they bring meaningful ag exposure and are relationship‑oriented or interested in expanding production responsibilities. What You Bring Agricultural lending or ag finance experience is required Lending, credit, or relationship management background Strong understanding of agricultural operations and rural economies Ability to build and maintain long‑term client relationships Comfortable working autonomously and managing priorities independently Strong writing and communication skills Community‑minded, relationship‑driven approach to banking Benefits & Perks We offer a competitive, well‑rounded benefits package designed to support our employees and their families, including: Medical Coverage (PPO and High Deductible plans available) Dental and Vision Insurance 401(k) Retirement Plan with employer matching opportunity Employer‑Paid Life Insurance & AD&D Short‑Term and Long‑Term Disability Coverage Flexible Spending Accounts (FSA) Wellness and Employee Assistance Programs Telehealth Services Educational Assistance & Tuition Support Employee Banking Products and Discounts Will Preparation & Legal Document Services Twelve (12) Paid Holidays Paid Time Off Why Join Us Deep agricultural roots and strong community presence Autonomy to manage relationships and your market Supportive credit and operations partners Stable, relationship‑based ag portfolio Long‑term career opportunity in rural markets Apply today to join a relationship‑driven bank where agriculture, community, and long‑term partnerships matter. xywuqvp The following workplace assessment must be completed for the application to be considered: Bank is an Affirmative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, color, religious beliefs, sex (including pregnancy), sexual orientation, gender, gender identity, marital status, age, physical or mental disability, genetic information, status as a protected or disabled veteran, national origin, or any other protected characteristic as required by applicable federal, state or local law.
Make your application after reading the following skill and qualification requirements for this position.
About the Role We are seeking an experienced Agricultural Lender who combines production capability with strong agricultural knowledge to serve and grow our rural markets. This role is ideal for an Ag Lender, Relationship Manager, Loan Officer, or Credit Professional with real agricultural exposure who understands both the business of agriculture and the importance of long‑term, trusted relationships. You’ll work directly with farmers, producers, and agribusiness owners—building relationships, structuring sound credit solutions, and serving as a trusted financial partner. This position operates with meaningful autonomy and is well‑suited for professionals comfortable working independently in rural, relationship‑driven markets. What You’ll Do Develop, manage, and grow a portfolio of agricultural lending relationships Proactively originate new business through community involvement, referrals, and local presence Structure, underwrite, and close agricultural loans including: Operating lines of credit Term loans Real estate financing Equipment financing Analyze borrower financials, cash flow, collateral, and repayment capacity Write clear, well‑supported credit narratives and loan presentations Manage portfolio performance, including renewals, modifications, and risk monitoring Build strong internal partnerships with credit and operations teams Represent the bank at community, agricultural, and industry events Agricultural Expertise We’re Looking For Strong working knowledge or hands‑on experience with one or more of the following: Row crop operations Cattle and livestock Poultry Timber / forestry General farm operations and ag cash‑flow cycles Who This Role Is For This position is targeted to professionals with real agricultural lending or ag finance experience, including: Agricultural Lenders Relationship Managers or Commercial Lenders with ag portfolios Loan Officers with production responsibility Credit Analysts or Credit Professionals with direct agricultural exposure Candidates with Farm Credit, community bank, or regional bank backgrounds Credit‑focused professionals are encouraged to apply if they bring meaningful ag exposure and are relationship‑oriented or interested in expanding production responsibilities. What You Bring Agricultural lending or ag finance experience is required Lending, credit, or relationship management background Strong understanding of agricultural operations and rural economies Ability to build and maintain long‑term client relationships Comfortable working autonomously and managing priorities independently Strong writing and communication skills Community‑minded, relationship‑driven approach to banking Benefits & Perks We offer a competitive, well‑rounded benefits package designed to support our employees and their families, including: Medical Coverage (PPO and High Deductible plans available) Dental and Vision Insurance 401(k) Retirement Plan with employer matching opportunity Employer‑Paid Life Insurance & AD&D Short‑Term and Long‑Term Disability Coverage Flexible Spending Accounts (FSA) Wellness and Employee Assistance Programs Telehealth Services Educational Assistance & Tuition Support Employee Banking Products and Discounts Will Preparation & Legal Document Services Twelve (12) Paid Holidays Paid Time Off Why Join Us Deep agricultural roots and strong community presence Autonomy to manage relationships and your market Supportive credit and operations partners Stable, relationship‑based ag portfolio Long‑term career opportunity in rural markets Apply today to join a relationship‑driven bank where agriculture, community, and long‑term partnerships matter. xywuqvp The following workplace assessment must be completed for the application to be considered: Bank is an Affirmative Action and Equal Opportunity employer. We consider all qualified applicants without regard to race, color, religious beliefs, sex (including pregnancy), sexual orientation, gender, gender identity, marital status, age, physical or mental disability, genetic information, status as a protected or disabled veteran, national origin, or any other protected characteristic as required by applicable federal, state or local law.