This position is offered as a remote or onsite position IN COLORADO ONLY.

PB&T Bank has been fulfilling financial needs and exceeding our customers' expectations since 1889. We are a full service bank, providing products and services for individuals and small businesses, specializing in commercial and construction lending. Over the years, PB&T Bank has endured and become a stronger, more secure bank, while remaining independently owned and operated, allowing for a more personal banking experience.

Our customers have come to know they can trust and count on PB&T Bank for excellent customer service and equally excellent products.

We stand by our Signature Banking culture which is the highest level of customer service each customer receives from an employee of PB&T Bank. Building relationships with internal and external customers based on confidence and trust that PB&T Bank is conducting banking business by taking ownership of customer needs and providing follow up after resolution. We put customers at ease knowing we have completed transactions to the best of our ability. PB&T Bank employees take pride and responsibility by placing their signature on all accomplished work.

General Purpose

This position is responsible for reviewing credit data to evaluate commercial loan requests in order to approve or deny applications. This position is responsible for analyzing sources of financial information, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of loan. This position is responsible for preparing reports in response to new and additional credit proposals for loan officers and committees.

Essential Duties/Responsibilities

• Knowledge of financial documents including but not limited to the Income Statement, Balance Sheet, Statement of Cash flows and US Tax Returns.
• Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of granting a loan.
• Provide accurate credit analysis through the analysis spreading software which will allow the lender and or committee to effectively understand the borrower’s financial condition.
• Incorporate thorough and accurate commentary regarding the key risk areas or major changes that affect the financial stability of the borrowers and potential risk to the bank.
• Thorough understanding of financial accounting and analysis of commercial loan packages.
• Use financial documents and credit information to determine customer cash flow.
• Ability to thoroughly analyze credits on and independent basis.
• Generate financial ratios to evaluate customers’ financial condition.
• Complete credit presentations, including analyses and summaries of loan requests.
• Study economic trends of a firm(s) or individual(s) branch or industry to predict probable success of a new customer or the future success of an existing customer.
• Visit establishments with Lenders to determine the condition of plant equipment and compare methods of operation with accepted practices in the industry.
• Gather all data and information needed to ascertain the likelihood of repayment and develop a strategy for mitigating the risks associated with potential problems of repayment
• The ability to communicate with existing customers on documentation needed as instructed.
• Compliance with requirements of Signature Banking.

Other Duties

• Assist Lenders in maintaining credit files including updates on financial statements and exceptions.
• Prepare reports for exams.
• Provide administrative support.
• Maintain the Bank’s customer service expectations without sacrificing the integrity of the Bank
• Answer multiple line telephone and accurately take messages when necessary
• Prepare various Board reports for the loan department.
• Perform other duties and responsibilities as assigned.

Supervisory Duties

• None

Knowledge

• Advanced knowledge of Moody’s Risk Analyst, Microsoft Excel, Word, and Outlook.
• Knowledge of the terms and vocabulary associated with loan documents.
• Knowledge and experience with credit reports as well as Loan to Value (LTV), Combined Loan to Value (CLTV) and debt-to-income ratios.
• Knowledge of lending compliance and regulatory requirements.
• General knowledge of all bank products and services.
• Accounting Background or minimum of 3 years of Financial Statement Analysis.

Skills and Abilities

• Problem solving and critical thinking
• Maintain a high level of confidentiality
• Ability to work at a fast pace with high accuracy
• Time management with attention to detail
• Prioritize to meet critical deadlines
• Self-motivated and capable of working independently and with little supervision.
• Type 40 – 50 wpm.
• Effective oral and written communication skills.
• Excellent interpersonal skills with employees, customers and vendors.
• Effective organizational and project management.
• Ability to travel as required.

Education & Experience

• Bachelor’s Degree with emphasis in Business, Finance and Accounting or equivalent additional work experience.
• 3-5 years of experience/training as a credit analyst or commercial loan officer

Job Posting Closing Date: June 10, 2025, at the soonest. Posting may be extended as needed.

Application Instructions: Please be sure to complete an application in addition to your resume. You cannot be considered for hire without a complete application. You can ensure you complete the full application process by applying directly through our careers page at https://pbandt.bank/careers/.
Additionally, please note that applicants outside of Colorado will not be considered for this remote work opportunity.

Job Type: Full Time, Exempt (Salaried)

Estimated Pay Range: $75,000-90,000 per year depending on geographical location, knowledge, experience, skills, and education

Benefits

• Competitive Pay
• Health and Dental with generous bank contribution (Full-Time Employees)
• Vision and other supplemental benefits (Full-Time Employees)
• Bank Paid Group Term Life, Long-Term Disability, Accidental Death Insurance (Full-Time Employees)
• Vacation earned after 90 days
• Sick Time earned on DOH
• Birthday Time Off
• 401(k)
• Employee Assistance Program
• Referral Incentive Program
• Flexible Spending Account

PB&T Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Please reach out to HR@PBandT.com for assistance with accommodations needed during the application and interview process.

Please note that unsolicited resumes from recruiting/talent agencies will not be accepted or considered.