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.
This position is responsible for examining, evaluating, and authorizing approval of customer applications for various types of credit, including commercial loans, real estate loans, and consumer loans.
¨ Interview applicants and request specified information for loan application.
¨ Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of granting a loan or submits request to credit analyst (if available) for verification and recommendation.
¨ Correspond with or interviews applicants or creditors to resolve questions regarding application information.
¨ Contact banks, trade and credit associations, salespeople, and others to obtain credit information.
¨ 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 to determine the condition of plant equipment and compare methods of operation with accepted practices in the industry.
¨ Evaluate the results of site visits. Prepare reports of findings and suggests credit limitations to management.
¨ Gather data and information needed to ascertain the likelihood of repayment and develops a strategy for mitigating the risks associated with potential problems of repayment.
¨ Consult with management to assist in corporate planning and participate in corporate goals and projects.
¨ Approve loans within specified limits or prepare written presentation for appropriate committee for approval.
¨ Order and ensure the accuracy of the necessary documentation for preparation of closing documents.
¨ Prepare written instruction to have the closing documents drawn up, in accordance with the approval and or the appropriate lending regulations as well as all bank policy regulations.
¨ Analyze potential loan markets to develop prospects for loans.
¨ Responsible for all collection of loans made and/or loans that may be assigned.
¨ Manage various problem loan assets.
¨ Ensure loan agreements are complete and accurate according to policy.
¨ Compose letters and other correspondence with no instruction.
¨ Compliance with requirements of Signature Banking.
¨ Assist in gathering information and documents necessary for preparation of loan documents.
¨ Assist in preparation of loan documents.
¨ Perform other duties and responsibilities as assigned.
¨ Accounting Background or minimum of 2 years of Financial Statement Analysis.
¨ Thorough knowledge of compliance and regulatory requirements.
¨ Thorough knowledge of bank products and services.
¨ Knowledge of word processing and spreadsheet skills.
¨ Knowledge of the terms and vocabulary associated with loan documents.
¨ Effective oral and written communication skills
¨ Organizing, prioritizing, problem solving and calculating
¨ Work with various levels of sophistication amongst borrowers
¨ Complete several tasks at the same time
¨ Problem solving abilities
¨ Work well with several different personality types
¨ Coordinate and cooperate
Education & Experience
¨ Bachelor’s Degree with emphasis in business, finance and accounting or the equivalent through work experience.
¨ 3-5 years experience as a commercial lender.
¨ Computer, calculator, telephone, fax machine, photocopier and various small office equipment.
The physical demands described here are representative of those that must be met by an employee to successfully perform 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 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.
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.