PB&T Bank

• Analyze commercial and agricultural loan requests by reviewing financial statements, tax returns, production histories, collateral values, credit information, and repayment capacity to determine feasibility of granting credit. • Apply financial accounting principles to independently analyze credit relationships, determine cash flow, and generate financial ratios that evaluate the customers financial condition. • Prepare credit presentations, analyses, summaries, and narrative reports to support sound loan structure and credit decisioning. • Complete annual reviews by analyzing updated financial information, collateral, covenant compliance, and overall credit quality to support ongoing risk assessment and loan servicing. • Assist with covenant tracking, loan exceptions monitoring, and follow-up on required financial reporting. • Support loan renewals, modifications, and annual review processes by gathering documentation and updating credit files. • Support internal audits, loan reviews, and regulatory examinations by preparing accurate and timely credit information.