Agricultural Lender

Equal Opportunity Employer

United Bank is an Affirma…well, 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.

United Bank is a growing $1.4 billion community bank operating 24 locations in Southwest Alabama and Northwest Florida that is proud to be a certified Community Development Financial Institution. We offer a competitive salary and an exceptional benefit package including medical, dental, vision, 401(k) with company match up to 5¼%, profit sharing, annual bonus opportunity, and more.

United Bank is growing, and we are 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.

The Agricultural Lender performs a variety of tasks and functions related to the sales and marketing of United Bank products, primarily focusing on agricultural‑related lending and deposit opportunities. The role is responsible for developing and maintaining relationships with new and existing customers.

• Interview applicants to determine loan requirements and gather pertinent information for loan applications.
• Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant’s evaluation.
• Analyze applicant’s financial status, credit, and asset evaluation to determine feasibility of granting loan, and establish credit limits through written and/or oral assessment.
• Prepare financing proposals.
• Review loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensure timely loan closing and funding activities.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, past‑due, 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.
• Perform any other duties as assigned by Management.

• Bachelor’s degree in agriculture, finance, business administration, or a related business‑related field.
• 5+ years of experience in Agricultural Lending.
• Strong understanding of agricultural practices and financial management.
• Excellent analytical and decision‑making skills.
• Proficiency in Microsoft Office suite, including Outlook, Excel, Word, and ability to adapt to new technology.

• Master’s degree in a business‑related field.
• Demonstrated success in community engagement and business development.
• Familiarity with government programs and agricultural lending regulations.

• Excellent communication skills.
• Ability to manage time and competing priorities in a fast‑paced environment.
• Strong interpersonal skills with the ability to interact with all levels of an organization.
• Collaborative professional skills that lead to a collegial and partnered approach to meeting objectives.
• High motivation with the ability to successfully meet individual and team goals while maintaining performance over the long term.
• Adaptability and flexibility.
• Physical demands: regularly required to speak or hear, stand or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms. The employee must frequently lift and/or move up to ten pounds, occasionally lift and/or move up to 25 pounds, and perform tasks requiring manual dexterity.

This job operates in a professional office environment.

Full‑time