Loan Review Specialist

PB&T Bank has been fulfilling financial needs and exceeding our customers expectations since 1889. We are a fullservice bank providing products and services for individuals and small businesses specializing in commercial and construction lending. Over the years PB&T Bank has remained independently owned and operated allowing for a personal banking experience. Our customers know they can count on PB&T Bank for excellent products and exceptional customer service.

Our Signature Banking culture is the highest level of customer service each customer receives from us. Signature Banking means we take ownership to resolve the needs of internal and external customers and ensure followup which in turn builds relationships. We put customers at ease knowing we have completed transactions by exceeding their expectations. PB&T Bank employees take pride and responsibility by placing their signature on all accomplished work.

We are seeking employees that care about customers and are interested in continuous improvement and have a growth mindset and who enjoy the idea of being a representative of the bank in your community.

General Purpose:

This position is responsible for maintaining an effective loan review system. The incumbent is responsible for the independent review and objective appraisals of the Banks loan portfolio and related risk management activities to ensure that acceptable credit standards are maintained and loans and related documentation adhere to the Banks policies procedures guidelines and regulatory requirements.

Essential Duties/Responsibilities

• Assess risk of portfolio establish scope of loans to be reviewed to provide reasonable assurance that all major credit risks have been identified.
• Review findings with appropriate lending team members and follow up.
• Report findings and notable trends to the Audit Committee quarterly.
• Adhere to regulatory standards and best practices such as those outlined in the RMS Manual of Examination Policies to ensure the loan review process is effective.
• Review all types of loan transactions to assure acceptable credit standards and lending activities that conform to the Banks loan policy.
• Conduct a systematic review of credit portfolios to determine credit and loan performance and adequacy of documentation.
• Assess the current risk of credits analyzed and recommend ratings.
• Propose and drive improvements to underwriting.
• Prepare credit assessment and review reports and/or loan review reports.
• Prepare quarterly Interest Reserve report and monthly Special Lending Authority report.
• Remain current on developments in assigned sectors and contribute to the departments continuous monitoring activities.

Required Knowledge Abilities and Skills

• Accounting knowledge (experience).
• Knowledge of loan documentation.
• Capable of maintaining effective working relationships across departments.
• Strong working knowledge and proficiency in Microsoft products (Word Excel).
• Thorough knowledge of compliance and regulatory requirements.
• Thorough knowledge of bank products and services.
• Effective oral and written communication skills.
• Selfmotivated and independent in thought and action as necessary to uphold regulatory standards and best practices.
• Organizing prioritizing problem solving analyzing critical thinking and calculating.
• Comfortable working with digital documents and Adobe Acrobat DocuSign and other tools for paperless systems.
• Able to work across the organization with demonstrated ability in stakeholder management skills.
• Manage time and priorities to complete several tasks at the same time.

Education & Experience

• Bachelors Degree with emphasis in business finance and accounting from an accredited university /college and 510 years of credit risk or loan review experience.

Or

• 20 plus years of credit experience required either as Credit Risk or Loan Review.

Job Posting Closing Date: May 4 2025 at the soonest. Posting may be extended as needed.

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

Job Type: FullTime Exempt (Salaried)

Estimated Pay Range: $depending on geographical location knowledge experience skills and education

Benefits

• Competitive Pay
• Health and Dental with generous bank contribution (FullTime Employees)
• Vision and other supplemental benefits (FullTime Employees)
• Bank Paid Group Term Life LongTerm Disability Accidental Death Insurance (FullTime Employees)
• Vacation earned after 90 days
• Sick Time
• Birthday Time Off
• 401(k)
• Employee Assistance Program
• Referral Incentive Program
• Flexible Spending Account available (FullTime Employees)
• Health Savings Account with biweekly bank contribution available (FullTime 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 coworker.

Please reach out to 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.