Credit Analyst - Agricultural & Commercial

Job Description

Job Description

This position is offered remote IN COLORADO ONLY or onsite at any branch with available space.

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. Over the years, PB&T Bank has remained independently owned and operated, allowing for a personal banking experience. Our customers know they can count on PB&T Bank for excellent products and exceptional customer service.

Our Signature Banking culture is the highest level of customer service each customer receives from us. Signature Banking means we take ownership to resolve the needs of internal and external customers and ensure follow-up, which in turn builds relationships. We put customers at ease knowing we have completed transactions by exceeding their expectations. PB&T Bank employees take pride and responsibility by placing their signature on all accomplished work.

We are seeking employees that care about customers and are interested in continuous improvement and have a growth mindset, and who enjoy the idea of being a representative of the bank in your community.

General Purpose

The Agricultural & Commercial Credit Analyst is responsible for analyzing, examining, and evaluating credit data and financial statements, and preparing detailed credit narratives that are used by the Lenders and various levels of Management to determine whether to extend credit, to set loan terms, and to manage risk for the Bank.

Essential Duties/Responsibilities

• 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 customer’s 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.

Education & Experience-Required

• Accounting background or minimum of 2 years of agricultural credit analysis.

Education & Experience-Preferred

• 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.

Industry Knowledge, Skills, and Abilities

• 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.

General Knowledge, Skills and Abilities

• Intermediate to advanced knowledge of Excel.

• Demonstrated accuracy, sound judgment, and ability to manage multiple priorities in a deadline-driven environment.

• Time Management with attention to details.

• Prioritizing and meeting critical deadlines.

• Maintain a high level of confidentiality.

• Capable of working independently and with little supervision.

• Self-motivated.

• Type 40 – 50 wpm.

• Adapt to frequent interruptions.

• Effective oral and written communication skills.

• Excellent interpersonal skills with employees, customers, and vendors.

• Effective organizational and project management skills.

Job Posting Closing Date: June 14, 2026, at the soonest. Posting may be extended as needed.

Application Instructions: Please be sure to complete an application in addition to your resume. You cannot be considered for hire without a complete application. You can ensure you complete the full application process by applying directly through our careers page at
Additionally, please note that applicants outside of Colorado will not be considered for this remote work opportunity.

Job Type: Full Time, Exempt (Salaried). Remote within Colorado ONLY. Relocation to Colorado not available. Available as an onsite position at select branches with available space. Learn about our branches here: Locations - PB&T Bank

Estimated Pay Range: $58,000-75,000 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 View email address on ziprecruiter.com for assistance with accommodations needed during the application and interview process.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

Please note that unsolicited resumes from recruiting/talent agencies will not be accepted or considered.