Management Team

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Mel Koller

President/Chief Executive Officer

Mel Koller began his Farm Credit Career in 2004-2005 then returned back to the Farm Credit System in 2009. Koller , most recently as vice president and Association Direct Lending Unit (ADLU) manager. In that position, he a managed the credit team responsible for the bank’s direct loan relationship with its affiliated lending associations in the Texas Farm Credit District. Previously, Koller was the bank’s ADLU vice president and relationship manager for Alabama Farm Credit and other associations. He also has six years of experience as an agricultural production lender, including two years with Fresno Madera Farm Credit and four years with Bank of the West, where he helped build a $210 million agribusiness portfolio. A native of Moraga, Calif., Koller is the youngest of seven children in a farming family. He holds a bachelor’s degree in agribusiness finance from California Polytechnic State University and a master’s degree in agribusiness management from Arizona State University. He also is a graduate of the LSU Graduate School of Banking in Baton Rouge, La.

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Ralph Stewart

Executive Vice President/Chief Credit Officer

Ralph D. Stewart has been with the Farm Credit System since 1997. Before joining Alabama Farm Credit in 2009, he served as a branch manager and regional vice president at Farm Credit Services of Mid-America, where he was responsible for approximately $700 million in assets. Before joining the Farm Credit System, Mr. Stewart worked as a University of Tennessee Agricultural Extension agent. He has a bachelor’s degree in natural resources management from the University of Tennessee at Martin and holds a law degree from the Nashville School of Law. Mr. Stewart grew up in the rural community of McEwen, Tenn. After law school, he served as an interim prosecutor for the 21st Judicial District in Tennessee. He is a lifetime FFA Alumni member and a Shriner. In addition, he is part-owner in a family cow-calf operation, farming over 350 acres in Tennessee. Mr. Stewart is a graduate of the Farm Credit Leadership College and Joint Leadership Development Program.

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Karri H. Sumrall, CPA

Executive Vice President/Chief Financial Officer

Karri Sumrall has been with the association since October 2003. A graduate of the University of Alabama, she received a bachelor’s in accounting and a master’s of accountancy. She is a Certified Public Accountant with more than eight years of experience in public accounting. Prior to joining the association, Mrs. Sumrall worked for public accounting firms Ernst and Young, LLC in Birmingham and Jamison, Money and Farmer P.C. in Tuscaloosa, gaining expertise primarily in the banking and manufacturing sectors. Mrs. Sumrall was raised on a family-operated cattle farm in Cullman County. She is a member of the American Society of Women Accountants, the American Institute of Certified Public Accountants and the Alabama Society of Certified Public Accountants.