Andrew "Andy" Falls is a Vice President/Retail Lending and Mortgage Officer at United Bank. Based in Atmore, Alabama, Andy is responsible for cultivating and managing credit relationships, with a focus on residential mortgages in Baldwin County. With over 25 years of experience in the financial industry, Andy brings a wealth of knowledge in residential real estate, secured and unsecured loans, and commercial lending. His background includes roles as a bank examiner, underwriting manager, and even President and CEO of WynBanc Federal Savings Bank. Andy's expertise extends to FHA, VA, Fannie Mae, and Freddie Mac home loans. He is committed to building strong client relationships by meeting customers in person and creating mutually beneficial lending solutions.