Agricultural Lender Position Available In Monroe, Alabama
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Job Description
TITLE Agricultural Lender
EOE STATEMENT
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.
ABOUT THE ORGANIZATION
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 competitive salary and an exceptional benefit package including BCBS medical, dental, vision, 401k with company match up to 5 1/2%, profit sharing, annual bonus opportunity, and more!
CATEGORY
Lending
DESCRIPTION JOB FUNCTION / SUMMARY
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. Responsible for developing and maintaining relationships with new and existing customers.
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.
POSITION REQUIREMENTS MINIMUM REQUIRED EDUCATION, EXPERIENCE & SKILLS
Bachelor’s degree in agriculture, finance, business administration, or similar 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 of products, including Outlook, Excel, Word and ability to adapt to new technology
PREFERRED EDUCATION, EXPERIENCE & SKILLS
Master’s degree in a business-related field
ESSENTIAL KNOWLEDGE, MENTAL & PHYSICAL REQUIREMENTS
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 ability to successfully meet individual and team goals while maintaining individual performance over the long term.
Adaptability and flexibility.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is 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 complete tasks requiring manual dexterity.
WORK ENVIRONMENT
This job operates in a professional office environment.
FULL-TIME/PART-TIME
Full-Time
MINIMUM EDUCATION
Bachelor’s degree in agriculture, finance, business administration, or similar business-related field
POSITION
Agricultural Lender
EXEMPT/NON-EXEMPT
Exempt
REQ NUMBER LEN-25-00002 LOCATION
Monroeville
