Agricultural Lender
United Bank of Southwest Alabama & Northwest Florida, Atmore, AL, United States
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.
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
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
Strong working knowledge or hands‑on experience with one or more of the following:
Row crop operations
Cattle and livestock
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:
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 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
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.
The following workplace assessment must be completed for the application to be considered: https://assessment.predictiveindex.com/bo/6Y0D/AgriculturalLender_Mar2026_165356
United 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.
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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
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
Strong working knowledge or hands‑on experience with one or more of the following:
Row crop operations
Cattle and livestock
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:
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 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
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.
The following workplace assessment must be completed for the application to be considered: https://assessment.predictiveindex.com/bo/6Y0D/AgriculturalLender_Mar2026_165356
United 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.
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