PB&T Bank
51 - 200 employees
Founded 1889
🏦 Banking
💸 Finance
💳 Fintech
💰 $2M Venture Round on 2013-10
Banking • Finance • Fintech
PB&T Bank is a financial institution providing a variety of banking services to both individuals and businesses. They offer personal and business checking and savings accounts, loans including auto, home equity, and commercial loans, as well as investment and trust services. Known for their exceptional customer service, PB&T Bank aims to foster long-term relationships with clients in their community.
Senior Lending Officer, Agriculture
🕒 July 30
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PB&T Bank
51 - 200 employees
Founded 1889
🏦 Banking
💸 Finance
💳 Fintech
💰 $2M Venture Round on 2013-10
Banking • Finance • Fintech
PB&T Bank is a financial institution providing a variety of banking services to both individuals and businesses. They offer personal and business checking and savings accounts, loans including auto, home equity, and commercial loans, as well as investment and trust services. Known for their exceptional customer service, PB&T Bank aims to foster long-term relationships with clients in their community.
📋 Description
• Manage the overall credit risk of agricultural loan portfolios through planning, credit review, sales, and lending techniques • Provide financial solutions to farmers and agricultural businesses • Prepare and achieve strategic business and tactical initiatives with the President/CEO and senior management • Meet production goals determined by the President and CEO • Develop and maintain a robust agricultural loan portfolio • Collaborate on loan policies, underwriting, risk management, loan pricing, and agricultural lending strategies • Assist the Chief Credit Officer in managing agricultural loan portfolio risk • Establish guidelines for servicing agricultural loans and loan documentation • Ensure lending policies, guidelines, and best practices are followed • Grow the agricultural team and supervise credit review, appraisal review, risk management, and agricultural lending personnel • Interview loan applicants and analyze financial status, credit, property, and application information • Study economic trends and evaluate businesses, industries, equipment, crops, animals, and inventory • Conduct and evaluate field and site visits • Prepare findings reports and recommend credit limitations • Develop repayment-risk mitigation strategies • Approve loans within limits or prepare presentations for approval committees • Ensure accurate loan and closing documentation • Analyze loan markets and develop prospects • Collect loans and manage problem loan assets • Ensure loan agreements comply with policy • Compose correspondence • Comply with Signature Banking requirements
🎯 Requirements
• Bachelor degree in Business, Finance, Agriculture or similar field • Banking education through certified institutions • Fifteen plus years of experience within the banking industry • Current background in agriculture lending and risk management • Experience managing multiple lines of business in agriculture lending and banking operations • Experience supporting the agricultural community through financial, agricultural, lending, and interpersonal expertise • Knowledge of banking industry procedures, workflow, and state and federal regulatory requirements • Understanding of credit structures, credit philosophy, and agricultural credit underwriting • Knowledge of equipment loans and valuation, crop and animal production and inventory loans, federal crop insurance assignments, statutory and licensing requirements • Ability to sell bank products and services • Analytical ability to evaluate agricultural lending and make sound recommendations • Understanding of agricultural financial statements and credit analysis • Ability to analyze complex agricultural financial information and solve problems • Excellent written and oral communication • Proficient computer skills, including Excel and Word • Strong management skills and ability to motivate others • Time management, prioritization, and organization skills • Must be authorized to work for any employer in the U.S.
🏖️ 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
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