Work With Us

If you’re ready to grow personally, professionally and financially, a career at Alabama Farm Credit makes these goals possible. Through our cooperative, you can make a personal impact on people and communities where we do business.
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Who Are We

Headquartered in Cullman, Alabama, we have five branch offices and one administrative office that serves the northern 27 counties of our state. We also serve the agricultural-related needs of the two major metropolitan areas of Alabama in Birmingham and Huntsville. Our cooperative helps fund new ways to grow food, generate energy, access technology and otherwise improve life in rural America.
john batts
John Christopher Batts
Tuscumbia Branch Manager
AFC is driven by the desire to make our customers successful. This can be mostly attributed to how many of our employees are also involved with agriculture or have farming background. I get up every morning excited to go to work because I get to help the Ag community and my co-workers.
will gotcher
Will Gotcher
Loan Officer
Company culture is like no other. Everyone is so helpful and courteous. I can tell everyone enjoys the work they get to do. Really like a family at the office.
samantha southerland
Samantha Southerland
PR and Marketing Manager
Alabama Farm Credit treats is employees and members like family. It is what sets us apart from every other business. Your voice is heard, your opinion matters and your hard work is rewarded.
taylor may
Taylor May
Credit Analyst
I have been an employee of AFC for five years, and every year has been full of growth. I am thankful to be part of a working community that supports, encourages, and appreciates my contributions daily. Everyday is a new adventure with the opportunity to better yourself, your community and agriculture field.
jim tollison
Jim Tollison
Regional Vice President East
People say they want a career a not just a job and that is something Alabama Farm Credit provides. I interned in 1995, and was hired full time in 1997. Since then, I've gained a background in legal documents, real estate titles, appraisals, and underwriting and farming operations ranging from wineries to timberland and a great deal in between. I've worked in two offices and made loans in over 20 Alabama counties. We're always growing and adjusting to meet our member and industry needs. AFC gave me a chance to have a career in agriculture that I didn't realize was possible growing up on the farm. And, I've made lifelong friends along the way.
alicia looney
Alicia Looney
Director of Loan Processing
We have grown significantly over the last few years but, throughout, we have somehow managed to maintain a family atmosphere. The employees truly care about each other on both a personal and professional level. It is a great feeling to be able to work with people and for a company that makes you feel appreciated, and places value on investing in you. The spirit of teamwork is unlike anywhere I've ever worked.

Our Core Values

Our mission at Alabama Farm Credit is to be the premier lender of Rural Agricultural Credit and Financial Services in North Alabama. Part of staying true to this mission is by honoring and adhering to sound business practices and by measuring value against what’s most important to our members/borrowers.

The Association will adhere to the mission by:

  • Being consistent with sound business practices.
  • Maintaining the viability of a strong dependable lending organization.
  • Measuring each action for its value to the member/borrower, both individually and collectively.
  • Following the seven cooperative principles.

Benefits

  • Affordable health, dental and vision plans.
  • 401K Plan with up to a 9% employer contribution/match.
  • An outstanding company-wide incentive program.
  • Accommodations and flexible vacation and sick days.
  • Up to $800/year health and wellness reimbursement.
  • Employer-paid life insurance disability.
  • 100% tuition reimbursement.
  • 12 paid association holidays.
  • Company-paid clothing allowance.
  • Flexible sick leave.

Life at Alabama Farm Credit

Open Positions

We are an aggressively growing Farm Credit association with over $1 billion in assets. Alabama Farm Credit is dedicated to the financial needs of rural communities, where our employees have the opportunity to make a personal impact on people and communities where we do business.

Credit Analyst

Description:

Primary responsibility of the Credit Analyst is to complete credit analysis, servicing, and reporting of the association’s mortgage and commercial loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management. Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision. 


Location: Administration Office, Cullman, AL

Reports to: Director of Credit

EDUCATION AND EXPERIENCE REQUIREMENTS:

Bachelor’s degree in Business Administration, Economics, Finance, Accounting or a related field and two (2) to five (5) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications. Experience in preparing multi-entity financial statements and tax returns a plus. Agriculture knowledge and/or background is preferred.

JOB PURPOSE AND SCOPE:

  • Complete credit analysis, servicing, and reporting of the association’s mortgage and commercial loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management.

  • Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages.

Determines probability of default (PD) and loss given default ratings as appropriate and makes

recommendations for approval or denial of loans.

  • Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and

    performance status assignments are proper.

  • Assists senior-level credit analyst and management with complex loan applications as necessary. 

BENEFITS:

  • An outstanding company-wide incentive program

  • Accommodating and flexible vacation and sick leave

  • 12 paid holidays

  • 401(k) plan with up to a 9% employer contribution/match

  • Affordable health, dental, and vision plans

  • Employer paid life insurance and disability

  • Tuition reimbursement (100%)

  • Up to $800/year wellness reimbursement

  • Company paid clothing allowance

  • Company paid cell phone and laptop