Poultry Lender III - Enterprise, AL

At BankPlus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true.

All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.


General Position Statement:

The Poultry Lender III originates, structures, underwrites, closes, and services poultry-production credit facilities for growers across the Southeast. The role demands advanced knowledge of integrator contracts, USDA / FSA guaranteed programs, construction to permanent financing, and collateral evaluation. The officer will manage a portfolio of approximately $15 million – $40 million while ensuring strict adherence to BankPlus credit policy and all applicable regulations.

Duties and Responsibilities:

• Business Development & Origination – Identify, solicit, and structure financing opportunities for poultry farm construction, acquisition, retrofit, debt restructure, and operating lines; build and deepen relationships with integrators, contractors, agricultural realtors, and allied service providers.
• Credit Analysis & Underwriting – Perform comprehensive analysis of settlement sheets, production contracts, pro forma cash flows, appraisals, environmental reports, and industry benchmarks; prepare detailed Loan Memoranda, Credit Analysis Summaries, and Risk Ratings for senior committee approval.
• Portfolio & Risk Management – Monitor covenant compliance, house retrofits, collateral condition, insurance coverage, escrow activity, and past due accounts; conduct onsite inspections to verify construction progress, equipment installation, operational readiness, and environmental compliance.
• Government Guaranteed Programs – Guide borrowers through USDA / FSA guarantee processes, including application preparation, documentation, compliance monitoring, and inspections.
• Closing & Funding – Coordinate title searches, UCC filings, appraisals, environmental reviews, and insurance confirmations; ensure all pre funding conditions are satisfied prior to disbursement.
• Industry & Community Engagement – Represent BankPlus at poultry industry conferences, trade shows, and community outreach events to enhance brand visibility and sector intelligence.
• Maintains a thorough knowledge of Bank products, services, policies, procedures,
and appropriate regulatory issues as related to daily job functions, including but not limited to Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E; etc. Completes required compliance training and adheres to the Bank’s standard of conduct.
• Perform other duties as requested.
• Participation in the bank’s High-Performance Rewards Connections Program.
• Make referrals to the Mortgage Center and Wealth Management.

Position Requirements:

• Minimum 3–5 years of agricultural lending experience, with direct exposure to poultry production finance preferred.
• Demonstrated proficiency in credit underwriting, farm cash flow analysis, collateral valuation, and construction lending; strong working knowledge of USDA / FSA guaranteed loan programs.
• Bachelor’s degree in Finance, Agricultural Economics, Business Administration, or a closely related discipline.
• Proficiency with Microsoft Office and loan origination platforms (e.g., nCino).
• Exceptional written and verbal communication skills, with the ability to prepare and present concise credit recommendations to executive leadership.
• Willingness to travel throughout the Southeast for farm visits, integrator meetings, and industry events; valid driver’s license required.
• Advanced degree (MBA or equivalent) or Agri Finance certification preferred.
• Established network within major poultry integrators and agricultural service providers preferred.


BankPlus is an Equal Opportunity Employer and does not discriminate in hiring or employment on the basis of race, color, religion, national origin, citizenship, gender, marital status, sexual orientation, age, disability, veteran status, or any other characteristic protected by federal, state, or local law.

We maintain a drug-free workplace and perform pre-employment substance abuse testing.