PB&T Bank

General

• Manage the overall credit risk of the agricultural loan portfolios through effective planning and credit review
• Develop and maintain a robust agricultural loan portfolio
• Work with Market President and management regarding bank loan policies and procedures
• Assist Chief Credit Officer manage the risk of the agricultural loan portfolio
• Help set guidelines and policy related to the servicing of the agricultural loan portfolio
• Responsible for growing the agricultural team and supervising the activities of subordinates
• Interview applicants and analyze financial status to determine feasibility of granting a loan
• Prepare reports of findings and suggest credit limitations to management
• Gather data to ascertain the likelihood of repayment and develop strategies for mitigating risks

Senior Lending Officer, Agriculture

Analyst

• Analyze commercial and agricultural loan requests by reviewing financial statements, tax returns, production histories, collateral values, credit information, and repayment capacity to determine feasibility of granting credit.
• Apply financial accounting principles to independently analyze credit relationships, determine cash flow, and generate financial ratios that evaluate the customers financial condition.
• Prepare credit presentations, analyses, summaries, and narrative reports to support sound loan structure and credit decisioning.
• Complete annual reviews by analyzing updated financial information, collateral, covenant compliance, and overall credit quality to support ongoing risk assessment and loan servicing.
• Assist with covenant tracking, loan exceptions monitoring, and follow-up on required financial reporting.
• Support loan renewals, modifications, and annual review processes by gathering documentation and updating credit files.
• Support internal audits, loan reviews, and regulatory examinations by preparing accurate and timely credit information.

Credit Analyst – Agricultural, Commercial

• Analyze commercial and agricultural loan requests by reviewing financial statements, tax returns, and production histories
• Apply financial accounting principles to independently analyze credit relationships
• Prepare credit presentations, analyses, summaries, and narrative reports
• Complete annual reviews by analyzing updated financial information, collateral, and overall credit quality
• Assist with covenant tracking, loan exceptions monitoring, and follow-up on required financial reporting
• Support loan renewals, modifications, and annual review processes

PB&T Bank

Senior Lending Officer, Agriculture

Credit Analyst – Agricultural, Commercial

Credit Analyst – Agricultural, Commercial

Credit Analyst – Agricultural, Commercial

Credit Analyst – Agricultural & Commercial

Credit Analyst – Agricultural, Commercial

Credit Analyst – Agricultural & Commercial