Credit Analyst II & Valuation & Funding Manager-Full Time-Canon City

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.

Introduction:

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.

Introduction:

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.

Job Type: Full-Time

Pay Range: $70k DOE

Location: Pueblo, CO

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

General Purpose

This position is responsible for analyzing, examining, and evaluating credit data and financial statements to determine an estimated degree of risk associated in extending credit. Prepares qualitative and quantitative, projections, assessments as well as detailed credit narrative reports with this credit information for use in decision making.

Credit Analyst II Essential Duties/Responsibilities

• Knowledge of financial documents including but not limited to the Income Statement, Balance Sheet, Statement of Cash flows and US Tax Returns.
• Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of granting a loan.
• Provide accurate credit analysis through the analysis spreading software which will allow the lender and or committee to effectively understand the borrower’s financial condition.
• Incorporate thorough and accurate commentary regarding the key risk areas or major changes that affect the financial stability of the borrowers and potential risk to the bank.
• Thorough understanding of financial accounting and analysis of commercial loan packages.
• Use financial documents and credit information to determine customer cash flow.
• Ability to thoroughly analyze credits on and independent basis.
• Generate financial ratios to evaluate customer’s financial condition.
• Complete credit presentations, including analyses and summaries of loan requests.
• Study economic trends of a firm(s) or individual(s) branch or industry to predict probable success of a new customer or the future success of an existing customer.
• Visit establishments with Lenders to determine the condition of plant equipment and compare methods of operation with accepted practices in the industry.
• Gather all data and information needed to ascertain the likelihood of repayment and develop a strategy for mitigating the risks associated with potential problems of repayment.
• The ability to communicate with existing customers on documentation needed as instructed.
• Compliance with requirements of Signature Banking.

Valuation & Funding Representative Essential Duties/Responsibilities

• Engage appraisers and other professionals for the completion of various types of real estate appraisals and evaluations as needed for all areas of the Bank.
• Responsible for ordering commercial appraisals and evaluations from third-party vendors in support of the Bank’s real estate lending operations.
• Responsible for answering procedural questions from internal bank employees and fee appraisers in an informative and professional manner.
• Responsible for ensuring that real estate valuations are reasonably supported, credible and compliant with federal and state regulations; bank policies and guidelines; and industry standards.
• Monitor commercial valuation and review services to assure that they are conducted in a regulatory compliant, cost effective, and timely manner.
• Assist with retaining appraisers for the Bank fee panel which includes maintaining current sample appraisals and contacting references.
• Requesting and reviewing sample appraisals and contacting references, along with preparing the List annually for approval by the Board of Directors.
• Responsible for providing input to the lending staff in writing outside of the review process on a wide range of real estate issues, including easements, zoning, obsolescence, market information, and general asset quality.
• Responsible for attending professional continuing education courses as needed to maintain license and professional designation, if applicable, in good standing.
• Comply with requirements of Signature Banking
• Ensure contractors provide the bank with an adequate budget for construction projects
• Monitor draws and compare them with initial budget
• Provide accurate and reliable information to lenders regarding the analysis of each construction project
• Identify potential problems and bring to the attention of the lender responsible and department manager immediately
• Answer multi-line telephone and accurately take messages when necessary
• Maintain the Bank’s customer service expectations without sacrificing the integrity of the Bank’s assets
• Compose letters and other correspondence
• Compile information necessary and complete construction project related bank reports
• Fax and make copies of documents as necessary
• Perform construction progress inspections when necessary

Other Duties

• Assist Lenders in maintaining credit files including updates on financial statements and exceptions.
• Prepare reports for exams.
• Provide administrative support.
• Assist in portfolio stress testing function.
• Physically inspect real estate and obtain photos as needed.
• Conduct inspections of construction projects and determine a percentage of completion for each project.
• Assist management with Bank owned properties.
• Maintain the Bank’s customer service expectations without sacrificing the integrity of the Bank.
• Answer multiple line telephone and accurately take messages when necessary.
• Prepare various Board reports for the loan department.
• Perform other duties and responsibilities as assigned.

Supervisory Duties

• None

Knowledge:

• Accounting Background or minimum of 3 years of Financial Statement Analysis.
• General knowledge of credit reports as well as Loan to Value (LTV), Combined Loan to Value (CLTV) and debt-to-income ratios.
• Knowledge of appraisal guidelines and regulations, specifically USPAP, FIREEA, Interagency Guidelines, and FNMA selling guidance.
• Knowledge of construction and home building.
• General knowledge of all bank products and services.
• Advanced knowledge of financial spreading software (preferably Moody’s), Microsoft Excel, Word, and Outlook.
• Knowledge of the terms and vocabulary associated with loan documents, construction loans, & Contract Documents.

Skills and Abilities:

• Strong interpersonal skills to communicate effectively and maintain positive relationships with internal associates and external vendors in a variety of situations.
• Great attention to detail and critical thinking skills.

• Time Management with attention to details.
• Prioritizing and meeting critical deadlines.
• Ability to work at a fast pace with high accuracy.
• Maintain a high level of confidentiality.
• Capable of working independently and with little supervision.
• Self-motivated.
• Type 40 – 50 wpm.
• Effective oral and written communication skills.
• Excellent interpersonal skills with employees, customers and vendors.
• Effective organizational and project management skills.
• Ability to travel as required.

Education & Experience

• Bachelor’s Degree with emphasis in Business, Finance and Accounting or equivalent work experience.

Equipment:

• Computer
• Calculator and 10-key
• Telephone, fax machine, copier and various small office machines.

Work Environment/Physical Activities:

· Sit, stand and/or walk for long periods of time.

· Lift and move material or equipment weighing up to 25 pounds.

· Adapt to frequent interruptions.

Physical Demands and Work Environment

The physical demands and the work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit or stand for long periods of time and repetitive arm/hand movements while operating a computer or equipment. This position is fast paced with frequent interruptions. The employee is occasionally required to reach with hands and arms; stoop, kneel, or crouch. Proper lifting techniques are required to lift, pull, push and/or move objects weighing up to 50 pounds. Specific vision abilities required by this job include close vision, color vision, and ability to adjust focus.

The duties listed in this job description are intended only as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related, or a logical assignment to the position.

This job description does not constitute an employment agreement between the employer and the employee and is subject to change as the needs and/or requirements of the job change deemed by the employer.

Salary : $70,000