Community Bank Business Lender

TITLE Community Bank Business 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

To be considered for this position, please complete the online employment application for this position (Apply Now) AND complete the workplace assessment here: https://assessment.predictiveindex.com/bo/6Y0D/CommunityBankBusinessLender_Mar2026_155228 JOB

FUNCTION / SUMMARY

The Community Bank Business Lender represents community banking by providing access to a full suite of banking and lending services tailored to the clients' specific needs. This position will contribute to bank growth and profitability by maintaining and expanding client relationships as a knowledgeable and responsive resource in the markets we serve.

PRIMARY DUTIES & RESPONSIBILITIES

Manages existing client relationships to retain and expand business. Develops new and existing customer relationships through networking, referrals, and outside calling efforts. Collaborates with branch managers and product managers as the primary contact for business banking and lending solutions. Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure and pricing meeting the needs of the client and United Bank. Proactively manages customer relationships by identifying financial needs, delivering solutions to meet the needs, and delivering quality customer service. Reviews applicant financial data to evaluate credit worthiness and manages difficult credit situations. Negotiates terms and makes decisions on loans within limits or makes recommendations. Monitors outstanding loans to ensure ongoing credit worthiness. Represents United Bank through participation in community organizations, boards, and other related leadership activities. Work with product partners to analyze, evaluate and develop a tailored relationship strategy for each client or prospect. Works to understand the community bank model and the impact United Bank has on small business and markets where we operate. Any other duties as assigned by Management.

POSITION REQUIREMENTS MINIMUM REQUIRED EDUCATION, EXPERIENCE & SKILLS

Bachelor's Degree in Finance, Accounting, Business Administration or related field, or an equivalent combination of education and experience 3+ years lending experience to include small business and commercial lending 3+ years demonstrated abilities in financial analysis, credit and loan underwriting Sound decision making and problem solving Strong background in business development, relationship and portfolio management Proficiency in Microsoft Office Suite (Outlook, Excel, Word) and lending software platforms

PREFERRED EDUCATION, EXPERIENCE & SKILLS

Master's degree in Finance, Accounting, Business Administration or related field. Previous commercial lending experience, in a community banking environment

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.

FULL-TIME/PART-TIME

Full-Time

MINIMUM EDUCATION

Bachelors Degree in Finance, Accounting, Business Administration or related field.

POSITION

Community Bank Business Lender

EXEMPT/NON-EXEMPT

Exempt

REQ NUMBER LEN-26-00003 LOCATION

Milton