Agriculture Commercial Loan Underwriter

Oak Valley Community Bank • Oakdale, CA

3d • $85,000 - $105,000 • Onsite

About The Position

Oak Valley Community Bank is seeking an experienced Agriculture & Commercial Loan Underwriter to join its Credit Administration team. The role supports growers, ranchers, agricultural businesses, and commercial customers across California’s Central Valley. The underwriter analyzes complex agricultural and commercial operations, evaluates risk, and structures sound credit solutions. The position has no sales quotas or portfolio production requirements and works with lenders throughout Stanislaus, San Joaquin, Merced, and surrounding counties.

The role analyzes loan requests including operating lines, equipment loans, real estate, and complex agribusiness relationships. It assesses credit quality and repayment capacity, evaluates agricultural and industry-specific risks, prepares written credit presentations and recommendations, and supports prudent growth while ensuring compliance with bank policy and regulatory requirements. Oak Valley Community Bank describes its workplace as a stable, locally headquartered community banking environment focused on teamwork, integrity, local decision-making, and serving the communities it supports.

Requirements

• 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 and ability to present credit recommendations clearly and concisely.
• Bachelor’s degree in Business, Finance, Accounting, Agriculture, or equivalent experience.

Nice To Haves

• Experience with commercial real estate, equipment financing, operating lines, and agricultural lending structures.

Responsibilities

• Analyze agricultural and commercial loan requests, including operating lines, equipment loans, 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.

Benefits

• Medical benefits
• Dental insurance
• Vision insurance
• Retirement savings with employer match
• Paid time off
• Other voluntary benefits
• Potential annual performance-based salary increases, subject to individual performance and business needs

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level