Credit Analyst – Agricultural & Commercial

PB&T Bank

Credit Analyst responsible for analyzing commercial and agricultural loan requests at PB&T Bank. Evaluating credit data and financial statements to support loan decisions and risk management.

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

financial analysiscredit analysisfinancial accountingcash flow analysisfinancial ratioscovenant trackingloan servicingagricultural credit analysiscommercial lendingagricultural lending

Soft Skills

analytical skillsproblem-solving skillscommunication skillsinterpersonal skills

Tools & Technologies

Excel

Industry Keywords

financial statementstax returnscollateral valuescredit informationrisk assessmentloan renewalsloan modificationsregulatory examinationsagricultural economicsbusiness analysis

About the role

Key responsibilities & impact

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.

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 with the ability to identify credit strengths, weaknesses, and emerging risks.
Ability to interpret financial statements, tax returns, and borrowing base information and present findings clearly to lenders and management.
Knowledge of agricultural lending practices, farm operating cycles, and collateral considerations related to crops, livestock, equipment, and real estate.
Intermediate to advanced knowledge of Excel.
Effective oral and written communication skills.
Excellent interpersonal skills with employees, customers, and vendors.

Benefits

Comp & perks

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