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 endured and become a stronger, more secure bank, while remaining independently owned and operated, allowing for a more personal banking experience.

Our customers have come to know they can trust and count on PB&T Bank for excellent customer service and equally excellent products.

We stand by our Signature Banking culture which is the highest level of customer service each customer receives from an employee of PB&T Bank. Building relationships with internal and external customers based on confidence and trust that PB&T Bank is conducting banking business by taking ownership of customer needs and providing follow up after resolution. We put customers at ease knowing we have completed transactions to the best of our ability. PB&T Bank employees take pride and responsibility by placing their signature on all accomplished work.

General Purpose

This position is the driving force behind the continued sustained growth of the Bank. This position will manage the overall credit risk of the principal loan portfolios through effective planning, credit review, sales and lending techniques, as well as planning and directing all aspects of the operational policies, plans and initiatives in conjunction with various committees. This position will have a particular emphasis on commercial lending, loan monitoring, regulatory compliance, risk management and profitability for the organization.

Essential Duties/Responsibilities

• Work closely with the President/CEO and other senior management members to prepare and achieve strategic business and tactical initiatives.

• Meet production as determined by the President and CEO.

• Oversee all bank loan policies and procedures, commercial lending operations strategies, underwriting, risk management and loan pricing.

• Manage the overall credit risk of the loan portfolios.

• Approve and monitor loans to ensure credit quality.

• Formulation of credit & loss reserve policy.

• Administration of Bank policies, procedures and business goals.

• Set guidelines and policy related to the accurate and timely servicing of the loan portfolio, including loan documentation.

• Develop long-term strategy for initiatives such as portfolio concentration, growth strategies, market concentration and profitability.

• Recommend allocations to loan loss reserve, analyzing economic conditions, loan losses and trends and working toward corporate goals.

• Service as liaison between bank and auditors and regulators.

• Responsible for the establishment, maintenance and monitoring of internal controls and compliance of board policies, state statutes and government regulations, especially adhering to regulatory guidance and federal and state laws.

• Control bank quality, ensuring policy and guidelines are followed consistently by personnel, implementing best practices in lending and credit administration across the organization and promoting the culture.

• Responsible for growing the team and supervising the activities of subordinates in credit review, appraisal review, risk management and commercial lending roles.

• Compliance with requirements of Signature Banking.

Knowledge

• Knowledge of the banking industry procedures, workflow and regulatory requirements at a state and federal level.

• Understanding of various credit structures, credit philosophy and credit underwriting.

• Understand how to sell bank products and services.

Skills

• Excellent written and oral communication

• Proficient computer skills (Excel and Word)

• Interpersonal skills needed to work effectively within all levels of management throughout the organization.

• Strong management skills.

• Time management skills.

Education

• Bachelor degree in Business, Finance, or similar field.

• Banking Education through certified institutions.

Experience

• 5-8 years’ experience within the banking industry, including a current background in commercial lending and risk management required.

• Experience managing multiple lines of business in commercial lending and commercial banking operations required.

Pay Range: $85-100K, dependent on experience, knowledge, skills, and education

Job Type: Full Time, Exempt

Closing Date: Tuesday, April 8, 2025

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

EEO Statement:

It is the ongoing policy and practice of Pueblo Bank & Trust Company (PB&T Bank) to provide equal opportunity in employment to all employees and applicants. No person shall be discriminated against in any condition of employment because of age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.

The policy of equal employment opportunity (EEO) shall apply to all terms, conditions, and privileges of employment, including hiring, probation, testing, training and development, promotion, transfer, compensation, benefits, educational assistance, termination, layoffs, social and recreational programs, and retirement.

PB&T Bank is committed to making employment decisions based on valid requirements, without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law. PB&T Bank will analyze its personnel actions rigorously to ensure compliance with this policy.

PB&T Bank will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

PB&T Bank’s EEO Coordinator is, Human Resources. They are responsible for compliance with state and federal EEO laws and affirmative action regulations. They are also responsible for implementing the Bank’s Affirmative Action Plan (AAP), including equal employment practices, monitoring, and internal reporting. If you believe you have not been treated in accordance with this policy, please contact the EEO Coordinator.

Our AAP for Veterans and the Disabled is available to you in PB&T Bank’s Human Resources office during regular office hours or by appointment.

All employees and applicants for employment are protected, by both company policy and equal employment opportunity/affirmative action regulations and law, from coercion, intimidation, interference, or discrimination for filing a complaint or assisting in an investigation.

Salary : $85,000 - $100,000