Credit Analyst – Agricultural & Commercial

🔥 2 horas atrás

⛰️ Colorado – Remoto

⛰️ Colorado – Remote

💵 $58.000 - $75.000 / ano

⏰ Tempo Integral

🟢 Júnior

🟡 Pleno

🧐 Analista

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PB&T Bank

SiteLinkedInTodas as Vagas

51 - 200 funcionários

Fundada em 1889

🏦 Bancário

💸 Finanças

💳 Fintech

💰 $2.000.000 Venture Round em 2013-10

Banking • Finance • Fintech

O PB&T Bank é uma instituição financeira que oferece uma variedade de serviços bancários tanto para indivíduos quanto para empresas. Eles oferecem contas correntes e de poupança pessoais e empresariais, empréstimos, incluindo empréstimos para automóveis, home equity e empréstimos comerciais, bem como serviços de investimento e fiduciários. Conhecido por seu atendimento ao cliente excepcional, o PB&T Bank visa fomentar relacionamentos de longo prazo com os clientes em sua comunidade.

Descrição

• 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.

🎯 Requisitos

• 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.

🏖️ Benefícios

• 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