Are you ready for new challenges and new opportunities? Join our team! Current job opportunities are posted here as they become available. This position is offered as a remote or onsite position. Strong preference will be given to candidates in Colorado if being considered for remote work. 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. 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. 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 an independent basis. 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: April 16, 2025, at the soonest. Posting may be extended as needed. 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 [email protected] 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. #J-18808-Ljbffr