Contact:

Anne Hetzel, Director of Human Resources
251.446.6003

Jessica Lowell, Human Resources Generalist
251.446.6018

human.resources@unitedbank.com

AG Lender - Santa Rosa County/Florida Panhandle Full Time The incumbent will accept loan requests; analyze financial soundness; approve / decline credit within established lending authority; present loans to appropriate loan committee for approval when required; conduct business development calls on potential Ag customers; collect past due loans; inspect collateral; refer Ag customers to other areas of the bank; and other duties as assigned. Other duties may include: inspect crops for progress, estimate outcome, and assess any environmental damages; inspect farm equipment to determine value, verify serial number, make, model, and condition; inspect livestock for location, number of head and physical condition; and/or other farming / agricultural / forestry inspections as required. Qualified candidate will have experience or knowledge in management of a farming / agricultural / forestry operation and 5+ years experience in evaluating and underwriting Ag credit requests. College degree required. Other skills: expert in Microsoft Excel and Word, strong people and communication skills, and complete understanding of the Agriculture Industry. Branch Operations Supervisor - Pace, FL Full Time Responsible for assisting the branch manager in the overall day to day administration and coordination of work and operation of the branch including but not limited to: staff scheduling/supervision; handling/resolving/addressing issues regarding staff members, managing the work flow to avoid long customer wait times; weekly/monthly/quarterly operational audits/tests; verification of logs; completion of daily/weekly/monthly reports; accurate maintenance of customer records; reconciliation of selected internal accounts; maintaining proper cash levels; researching teller cash outages; monitor employees for customer service failures/successes; teach/reinforce product knowledge to staff; support/reinforce cross sell efforts; provide for continuous education of staff; accurate maintenance of internal bank records; ensure that all work is scanned timely and accurately; maintain up-to-date knowledge of bank policies and procedures; assist branch manager with loan application processing, and other duties as assigned. Requirements: At least three years of retail banking experience including completion of Br Spec I and Br Spec II competencies; supervisory experience preferred. Excellent written and oral communication skills required. B.S. in Business/Finance preferred. Community Bank Business Lender Full Time Job Description: United Bank is seeking a customer-oriented individual with excellent verbal and written communication skills to join our team of business lending professionals. This individual will be responsible for aggressively soliciting and servicing prospective customers, producing a variety of business loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through individual and team calling efforts, marketing, and referrals. The successful candidate will be a team player who will work together with compliance, operations, and retail to build a better bank. The candidate’s approach to lending will reflect the need to be knowledgeable of the potential customer’s industry in order to make sound recommendations and decisions based on a complete understanding of the customer and the customer’s business operations. The successful candidate will have a strong customer service and sales orientation, credit training, or equivalent experience, Bachelor’s Degree and solid loan production experience with emphasis on business lending and production sales. Minimum Requirements: •Bachelor’s Degree; MBA/ graduate degree a plus •Solid loan production experience in business and consumer lending, loan portfolio administration, and product sales •Relationship management skills for key commercial, small business, and personal relationships •Highly developed analytical and underwriting expertise, credit quality focus •Strong community leadership experience •Sales energy, with sustained record •Competent and comfortable with emerging technologies and online capabilities MORTGAGE ORIGINATOR Full Time One open position that will serve both the Eastern Shore Area and Escambia County, Alabama Responsibilities: • Originating permanent FHA/VA and conventional residential mortgage loans and participates in related business development activities • Soliciting residential first mortgages through contacts with realtors, builders, and developers • Building and retaining relationships with realtors, builders, and other referral sources • Interviewing applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk • Obtaining and analyzing pertinent financial and credit data • Negotiating terms and conditions of loan with mortgagors • Keeping informed of trends and developments in the local real estate, as well as the changing rules and regulations pertaining to both private and government- insured mortgages • Calling on potential or existing customers as assigned to develop new business or retain existing business • Making extensive external contacts (more than fifty percent of the week on sales calls outside the office) with potential and existing customers, realtors, etc. • Generating and processing mortgage loans • Working with internal contacts within the bank • The incumbent works under general supervision and may have other duties and tasks as assigned Minimum Requirements: • Bachelors degree • Two to five years mortgage origination experience in secondary market • General knowledge of personal computers and software programs utilized by Residential Mortgage Department • Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law • Proven sales ability • Strong mathematical skills • Excellent communications skills • Ability to interact with individuals at all income levels and peers in a professional manner • Demonstrated ability to work independently and to follow through on details to completion • Willingness to spend over 50% of week on sales calls outside office • Must have NMLS number or ability to obtain NMLS