Agriculture Commercial Loan Underwriter

Position Title: Agriculture & Commercial Loan Underwriter

Segment: Credit Administration

Reports To: AVP Credit Supervisor

FLSA Status: Exempt

Employment Type: Full-Time

Location: Oakdale [Central Valley]

Shift: Monday-Friday (Day)

Salary Range: $85,000-$105,000 (good-faith estimate upon hire)

Additional Compensation:

This position may be considered for annual performance-based salary increases; eligibility and amounts are determined by individual performance and business needs.

Total Compensation:

In addition to base pay, this position may be considered for performance-based salary increases. Oak Valley Community Bank also offers a comprehensive benefits package that includes medical, dental, vision, retirement savings with employer match, paid time off, and other voluntary benefits. Final compensation will be based on skills experience, and internal equity.

Help support the growers, ranchers, and agricultural businesses that power California's Central Valley.

Oak Valley Community Bank is seeking an experienced Agriculture Commercial Loan Underwriter to join our Credit Administration team. This role is ideal for a credit professional who enjoys analyzing complex agricultural operations, evaluating risk, and structuring sound credit solutions, without the pressure of sales goals or portfolio production requirements.

Located in the heart of California's agricultural economy, you'll partner with lenders throughout Stanislaus, San Joaquin, Merced, and surrounding counties to support local farming operations, agribusinesses, and commercial customers. Your expertise will directly influence lending decisions that help sustain one of the nation's most productive agricultural regions.

Why Oak Valley Community Bank?

As a locally headquartered community bank, we know agriculture because we live and work in the communities we serve. Our underwriting team plays a critical role in helping local businesses grow while maintaining a strong and disciplined credit culture.

This position offers:

• A dedicated underwriting role with no sales quotas
• Opportunity to work on a diverse portfolio of agricultural and commercial credits
• Collaborative partnerships with experienced lenders and credit professionals
• Stable community banking environment with local decision-making
• Competitive compensation and comprehensive benefits package
• A culture focused on teamwork, integrity, and serving our communities

What You'll Do

As an Agriculture Commercial Loan Underwriter, you will:

• Analyze agricultural and commercial loan requests ranging from operating lines and equipment loans to real estate and complex agribusiness relationships
• Review financial statements, tax returns, and cash flow analyses to assess credit quality and repayment capacity
• Evaluate agricultural operations, commodity exposures, market conditions, and industry-specific risks
• Prepare comprehensive written credit presentations and loan recommendations
• Structure credit facilities that balance customer needs with sound risk management principles
• Perform financial spreading and credit analysis for new and existing lending relationships
• Work closely with lenders and credit administration to support profitable and prudent growth
• Ensure compliance with bank policy and regulatory requirements

What We're Looking For

Successful candidates will have:

• Experience underwriting agricultural, commercial, or agribusiness loans
• Strong financial statement and tax return analysis skills
• Knowledge of agricultural operations, seasonal cash flows, and industry risk factors
• Ability to identify strengths, weaknesses, and emerging risks within complex borrowing relationships
• Strong written communication skills with the ability to present credit recommendations clearly and concisely
• Experience with commercial real estate, equipment financing, operating lines, and agricultural lending structures preferred
• Bachelor's degree in Business, Finance, Accounting, Agriculture, or equivalent experience

Ideal Background

We'd love to connect with professionals currently working as:

• Agricultural Loan Underwriters
• Commercial Credit Analysts
• Senior Credit Analysts
• Agricultural Credit Officers
• Commercial Underwriters
• Farm Credit Analysts
• Credit Administrators

About Oak Valley Community Bank

Oak Valley Community Bank has proudly served California's Central Valley for decades, building lasting relationships with local families, businesses, and agricultural operators. We believe our employees are the foundation of our success and are committed to creating a workplace where people can build meaningful careers while making a difference in the communities they serve.

Equal Pay & Opportunity Statement

Oak Valley Community Bank complies with the California Equal Pay Act and SB 642 requirements. Compensation decisions are based on experience, skills, and business needs, without regard to sex, gender identity, gender expression, race, or any other protected characteristic. We are an equal opportunity employer committed to diversity, equity, and inclusion.