Credit Analyst – Agricultural & Commercial

PB&T Bank

Agricultural & Commercial Credit Analyst at PB&T Bank responsible for analyzing agricultural and commercial credit data. Evaluating loan requests and assisting in credit decisions for the bank.

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

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Hard Skills

financial analysiscredit analysisfinancial statement interpretationcash flow analysisfinancial ratio generationcredit underwritingloan policy knowledgefinancial statement spreadingagricultural economicsregulatory compliance

Soft Skills

analytical skillsproblem-solving skillscommunication skillspresentation skills

Tools & Technologies

Excel

Industry Keywords

agricultural lendingcommercial lendingloan documentationcovenant compliancerisk assessmentloan servicingcollateral evaluationbank products and servicesfarm operating cyclescredit relationships

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; an equivalent combination of education and experience may be considered.
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.
Knowledge of the terms and vocabulary associated with loan documents.
Working knowledge of credit underwriting, loan policy, financial statement spreading, and applicable banking regulations and compliance requirements.
General knowledge of all bank products and services.
Intermediate to advanced knowledge of Excel.

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