Job: Commercial Loan Officer

Job Description

Job Type: Full time, Salaried

Wage: $105,000-$155,000/yr.

Location: Leadville, CO.

Job Description:

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 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 follow-up, 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.

This specific position is designed to work in the Summit County and Lake County region of Colorado. The successful candidate will already have close ties to the local communities of Summit and Lake Counties.

This position is a hybrid role because while most of your time would be spent with your local communities in Summit and Lake Counties, you'll need to visit one of our offices regularly, likely on a weekly basis. PB&T Bank's main branch offices are located in Pueblo, Colorado, and you can view more information about our other locations here: Locations - PB&T.

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.

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's 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: $105-155K, depending on experience, knowledge, skills, and education

Job Type: Full-time, Exempt.

Closing Date: Friday, August 20, 2025. The opening may be extended if needed and will be updated in that case.

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 [email protected] for assistance with accommodations needed during the application and interview process.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

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

**Disclaimer: The duties and responsibilities described above are not a comprehensive list and additional tasks may be assigned to the employee, time to time; the scope of the job may change as necessitated by business demands. Click “View Application” below for more detail on this specific job.