GENERAL DESCRIPTION OF POSITION

The Credit Analyst Intern works inside the Credit Analysis department, learning skills needed to perform financial analysis and loan package preparation for consumer and commercial loan requests and other loan underwriting activities and duties. The internship program aims to enable students in a four-year degree plan to learn the job responsibilities in the credit analysis financial field.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Inputs financial data into respective spreadsheets. This duty is performed daily, about 40% of the time.

2. Performs and reviews inspections. This duty is performed as needed, about 10% of the time.

3. Aids in compiling annual reviews and loan packages. This duty is performed as needed, about 25% of the time.

4. Assists with miscellaneous loan reporting responsibilities. This duty is performed as needed, about 20% of the time.

5. Attends various meetings to learn about bank functions and the loan origination process. This duty is performed as needed, about 5% of the time.

6. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.

7. Completes required BSA/AML training and other compliance training as assigned. This duty is performed as needed.

8. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 12 to 18 months related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; ability to write routine reports and correspondence.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Basic: 10-Key, Accounting, Alphanumeric Data Entry, Spreadsheet, Word Processing/Typing

WORKING CONDITIONS

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities 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 and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is frequently required to sit, use hands to finger, handle, or feel, talk, or hear; and occasionally required to stand, walk, reach with hands and arms, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

-Must be pursuing a bachelor’s degree in finance, Accounting, or related business degree with a 3.0 GPA or higher

-Must be classified as a junior status from an accredited four-year university

-Must have knowledge of applicable federal and state laws and regulations and knowledge of Bank policies and procedures

-Must have strong analytical, decision-making, and problem-solving skills

-Must be able to balance multiple tasks and projects simultaneously within a limited time frame

-Must be detail oriented and have strong organizational, communication and customer relation skills

-Must have a basic understanding of accounting and finance

-Must be proficient in Microsoft Office software

-Must have excellent verbal and written communication skills