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

The Senior Credit Underwriter / Credit Manager is responsible for measuring and managing the aggregate risk in the Banks’s loan portfolio through credit underwriting. This position will be responsible for the attainment of lending objectives and the overall direction and operations of the credit department, including individual loan and portfolio quality. The Senior Credit Underwriter / Credit Manager will also have particular emphasis on commercial lending, loan monitoring, regulatory compliance, risk management and profitability for the organization.

Essential Duties/Responsibilities

• Work closely with the CCO, President/CEO and other senior management members to prepare and achieve strategic business and tactical initiatives.
• Manage direct reports to comply with policies and procedures, commercial lending operations strategies, underwriting, risk management and loan pricing.
• Assist the CCO to monitor and manage the overall credit risk of the loan portfolios.
• Knowledge of financial documents including but not limited to the Income Statement, Balance Sheet, Statement of Cash flows under GAAP accounting.
• Thorough understanding of U.S. Tax Returns both for businesses and individuals.
• Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of granting a loan.
• Incorporate a thorough and accurate explanation regarding the key risk areas or major changes that affect the financial stability of the borrowers and potential risk to the credit.
• Thorough understanding of financial accounting and analysis of commercial loan packages.
• 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.
• 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.
• Monitor loans to ensure credit quality.
• Set guidelines related to the accurate and timely credit underwriting.
• Responsible for adhering to regulatory guidance and federal and state laws if applicable.
• 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 leading, coaching, and developing the credit team.

Supervisory Duties

• Management of all Credit Analyst personnel
• Complete annual performance evaluations on direct reports with delivery to employee prior to anniversary data
• Provide the Human Resources Department with accurate and timely timekeeping information

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.
• Knowledge of lending compliance and regulatory requirements.
• Knowledge and experience with credit reports as well as Loan to Value (LTV), Combined Loan to Value (CLTV), debt-to-income ratios and Debt Service Coverage Ratios (DCSR).
• Knowledge of the terms and vocabulary associated with loan documents
• Understand 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.
• Proficient with financial spreading software.

Ability

• Competence with figures and an analytical mind with the ability to make accurate evaluations and sound lending recommendations.
• Maintain a high level of confidentiality
• Understand financial statements and credit analyses.
• Excellent interpersonal skills with employees, customers and vendors.
• Effective project management.
• Ability to motivate personnel.
• Ability to analyze complex financial information and solve problems.
• Ability to prioritize and organize.
• Ability to travel as required.

Education/Experience

• Bachelor’s degree in business, Finance, or similar field.
• Banking Education through certified institutions.
• Eight years of experience within the banking industry, including a current background in commercial lending or commercial underwriting, are required.
• Experience managing multiple lines of business in commercial lending and commercial banking operations.

Job Posting Closing Date: May 2, 2025, at the soonest. Posting may be extended as needed.

To apply: Candidates, please be sure that you apply through https://pbandt.bank/careers/ and complete an application even if you submit a resume. We are unable to hire applicants without a completed application.

Job Type: Full Time, Exempt (Salaried)

Estimated Pay Range: $110,000-150,000 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
• Birthday Time Off
• 401(k)
• Employee Assistance Program
• Referral Incentive Program
• Flexible Spending Account available (Full-Time Employees)
• Health Savings Account with bi-weekly bank contribution available (Full-Time Employees)

PB&T Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age (40 ), ancestry, race, color, creed, religion, sex, pregnancy and related conditions, sexual orientation, marital status, gender identity, gender expression, national origin, disability, genetic information, or status as a protected veteran or affiliation with a veteran. In accordance with and under the circumstances described by Colorado law, PB&T Bank does not discriminate on the basis of marriage to a co-worker.

Please reach out to HR@PBandT.com for assistance with accommodations needed during the application and interview process.

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

Salary : $110,000 - $150,000