Credit Analyst – Agricultural, Commercial

PB&T Bank

Credit Analyst responsible for analyzing agricultural and commercial loan requests for PB&T Bank. Reviewing financial statements and preparing detailed credit narratives for lending decisions.

Posted 6/24/2026full-timeColorado Springs • Colorado • 🇺🇸 United StatesJuniorMid-Level💰 $58,000 - $75,000 per yearWebsite

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

Accounting background or minimum of 2 years of agricultural credit analysis
Bachelor's Degree with emphasis in Business, Finance and Accounting or two or more years of agricultural credit analysis, commercial lending, agricultural lending, or related banking experience preferred
Relevant coursework or training in accounting, agricultural economics, finance, or business analysis is preferred
Strong analytical and problem-solving skills
Ability to interpret financial statements, tax returns, and borrowing base information
Knowledge of agricultural lending practices
Knowledge of the terms and vocabulary associated with loan documents
Working knowledge of credit underwriting, loan policy, financial statement spreading, and applicable banking regulations

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial analysiscredit analysisfinancial statement interpretationtax return analysiscredit underwritingfinancial statement spreadingagricultural lending practicesloan policy knowledgecovenant trackingloan modifications

Soft Skills

analytical skillsproblem-solving skills