Careers
Join our team.
When you come to work at Peoples Bank, you’re not just an associate — you’re a co-owner of the bank.
Our team is the heart and soul of our business, and we’d love for you to be a part of it.
We support our people.
At Peoples Bank, we know there’s more to life than just work — that’s why our company culture cultivates work-life balance. When you’re part of our team, you’re family.
Our Company Values
Exceeding Expectations
We are empowered associates who make local decisions, develop lasting relationships and deliver exceptional service.
Honest
We are people of integrity who ALWAYS do the right thing for our co-workers, customers and shareholders.
Responsible
We are more than employees — our associates have ownership in the company, which means we take responsibility for our own actions, are dedicated to excellence and are accountable to each other.
Positive
We have fun at work and approach everything we do with joy and a positive attitude.
Benefits
We cultivate growth both inside and outside the workplace. We recognize our team’s hard work through performance awards and opportunities for specialized training to promote career advancement. We encourage growth through bonuses and incentive opportunities.
We also provide our team with numerous benefits, including:
- Health, dental, vision and life insurance
- Retirement savings plan
- Generous PTO
- Tuition assistance/reimbursement
- Employee stock ownership plan
- Investing in our children (up to 18 years of age)
What Our Employees Say
“We have fun while doing our job and know we are positively changing the world with one customer at a time. We are able to make decisions and feel confident in that because we are empowered, coached, challenged and supported, which helps us develop long lasting relationships between customers and each other.”
"It is a great community bank. They care about their employees and want to see you grow."
"The feeling of "family". Everyone from my immediate mangers to the upper management in Cullman make you feel like you matter. I look forward to the monthly newsletters and every month there are more examples of how Peoples Bank truly cares about their employees."
"I personally appreciate the unity of my coworkers, particularly in the way that we all share the common goal to help others. By that I not only mean our customers and our community, but each other as employees."
Current Openings
Come join the ranks of Alabama's most innovative financial services employer! We're looking for team players who value personal service and emerging technology. Our positions require a passion for being the best, strong PC skills and the ability to multi-task in a high volume, fast paced environment.
Key Responsibilities of Credit Analyst I or II:
- Teams with commercial lenders and commercial credit staff to prepare and ensure accuracy of credit approval packages for new loan requests, renewals, and modifications.
- Spread, analyze, and interpret borrower/guarantor financial statements, while utilizing personal financial statements, personal tax returns, accountant prepared financial statements, company prepared financial statements and corporate tax returns.
- Completes an independent, in-depth review of financial statements for businesses and individuals, projections, and business plans; proactively identifies and mitigates key risks.
- Recommends and models appropriate loan structures and collateral based on risk assessment and PBAL Commercial Loan Policy.
- Analyzes individual and global company performance and the impact of industry, competitive, and economic dynamics and events on the creditworthiness of existing customers and prospects.
- Determines the appropriate risk rating for a company; proactively identifies risk rating changes.
- Aids in the timely ongoing periodic credit servicing and internal review of loans within the portfolio, including analyzing historical financial performance, performance vs. projections, covenant compliance, risk rating and any other significant risk drivers.
- Develops a strong working knowledge of and ensures compliance with internal commercial loan policy, credit risk management policy and external regulatory requirements; documents any exceptions to policy and related rationale/mitigants.
- Produces and distributes reports for senior management, as requested.
- Manages assigned loan requests through the underwriting and loan approval process.
- Performs other duties as assigned.
Candidate Qualifications:
- Bachelor’s or Master’s Degree in Business with a concentration in Accounting, Economics, or Finance.
- Completion of a major corporate credit training program or equivalent corporate banking/corporate finance experience desired
- 2-5 years of commercial credit experience desired
- Strong analytical and problem-solving skills
- Ability to demonstrate competence in following and executing defined processes, checklists and adherence to policy and procedures
- Excellent written and verbal communication skills
- Demonstrate good work ethic by being self-directed and motivated
- Strong interpersonal skills
- Possess a positive, flexible, and cooperative attitude and willingness to work within a small office environment
- Proficient in Microsoft Office product suite (i.e., Excel, Word, Outlook, etc.) and willingness to learn additional bank software programs. Experience with Jack Henry and Sageworks/Abrigo product suites is a strength.
FORWARD RESUMES TO:
This position is an entry level position which allows the selected candidate to develop in the role of providing analytical underwriting support for the making of credit decisions.
Key Responsibilities of Credit Analyst:
- Spread, analyze, and interpret financial statements for borrowers and guarantors utilizing personal financial statements, personal tax returns, accountant prepared financial statements, company prepared financial statements, and corporate tax returns
- Conduct credit investigations for individuals and businesses, perform economic and industry analysis for borrowers, construct financial projections, and assess overall risk to maximize credit quality
- Determine appropriate collateral structure for various loan types and conduct collateral analysis to assess collateral quality and value
- Shadow commercial credit staff, commercial lenders, and various other departments to understand how a loan is originated, booked, and serviced
- Work with commercial credit staff, commercial lenders, and bank management to gain knowledge of appropriate loan structure and pricing based on risk assessment, PBAL Commercial Loan Policy, and Regulatory Guidelines
- Team with commercial lenders and commercial credit staff to prepare and ensure accuracy of loan packages that have been analyzed and assessed against PBAL Commercial Loan Policy, including credit workbook, credit memorandum, risk rating template, business financial spreads, personal financial statements, and other miscellaneous information
- Establish, maintain, and update borrower credit files as needed
- Perform other duties as assigned by manager
Candidate Qualifications:
- Bachelors’ Degree in Business with a concentration in Accounting, Economics, or Finance. Internship or part-time work experience in banking or related field a plus
- Recent college grad to 1 year of commercial credit experience desired
- Proficient in Microsoft Office product suite (i.e., Excel, Word, Outlook, etc.) and willingness to learn additional bank software programs
- Demonstrate good work ethic by being self-directed and motivated
- Effective written and verbal communication skills
- Strong interpersonal skills
- Ability to demonstrate competence in following and executing defined processes, checklists and adherence to policy and procedures
- Possess a positive, flexible, and cooperative attitude and willingness to work within a small office environment
FORWARD RESUMES TO:
Qualified applicant will process a variety of routine financial transactions including check cashing, withdrawals, deposits, and loan payments. Prepares daily paperwork according to branch procedures, responsible for managing, balancing cash drawer. Requires a high school diploma or equivalent; one year of cash handling experience preferred. Opportunity for advancement.
FORWARD RESUMES TO:
Qualified applicant will process a variety of routine financial transactions including check cashing, withdrawals, deposits, and loan payments. Prepares daily paperwork according to branch procedures, responsible for managing, balancing cash drawer. Requires a high school diploma or equivalent; one year of cash handling experience preferred. Opportunity for advancement.
FORWARD RESUMES TO:
Qualified applicant will process a variety of routine financial transactions including check cashing, withdrawals, deposits, and loan payments. Prepares daily paperwork according to branch procedures, responsible for managing, balancing cash drawer. Requires a high school diploma or equivalent; one year of cash handling experience preferred. Opportunity for advancement.
FORWARD RESUMES TO:
Qualified applicant will process a variety of routine financial transactions including check cashing, withdrawals, deposits, and loan payments. Prepares daily paperwork according to branch procedures, responsible for managing, balancing cash drawer. Requires a high school diploma or equivalent; one year of cash handling experience preferred. Opportunity for advancement.
FORWARD RESUMES TO:
Qualified applicant will perform data entry, balance daily customer transactions and scan into an image system, answer support calls, maintain branch capture scanners and perform checkbacks for file maintenance items. Requires a high school diploma or equivalent and a minimum of 5 years’ experience in the field or a related area. 10 key skills are preferred and proficiency in Office, Word and Excel are required. Must possess the ability to work in a multi-application, electronic environment.
FORWARD RESUMES TO:
Peoples Bank of Alabama is An Equal Opportunity Employer