Commercial Lending Intern

Job Description

The Commercial Lending Intern receives training and performs duties in several departments related to retail banking operations, lending support, collections, and credit review in order to gain the knowledge and experience required for promotion to a commercial loan officer under direction of experienced personnel. He or she observes experienced Bank personnel in order to acquire knowledge of the methods, procedures, and standards necessary for the performance of departmental duties in each line of business. The Commercial Lending Intern provides general bank information, cross-sells services, and helps other Bank personnel as necessary. He or she is responsible for business development and marketing of existing and prospective accounts.

Qualifications

• Bachelor's degree or two years of banking experience
• Active license number with the Nationwide Mortgage Licensing System and Registry or the ability to obtain such
• Excellent written and verbal communication skills
• Strong analytical skills
• Able to use financial calculator and related computer applications and business machines
• Able to travel and relocate within the state of Idaho and/or Utah

Responsibilities

• Stays informed regarding changes in lending standards and related legal requirements
• Trains with experienced staff in order to provide a variety of paying and receiving functions, including processing deposits, withdrawals, loan payments, account transfers, and cash advances
• Balances each day's transactions and verifies cash totals
• Monitors deposit amounts and examines documents for proper endorsement and negotiability
• Presents and explains Bank services and products to customers and assists in meeting their financial needs
• Opens and closes accounts by obtaining information from the customer and entering into the computer system
• Works with retail branch mangement to ensure that operations are conducted in accordance with established Bank policies and with legal and regulatory requirements
• Trains with experienced staff in order to provide a variety of branch lending support functions; verifies, compiles, and types information for loans; provides credit information or rating on request to customer involved in loan transactions upon approval of branch manager or loan officer; and makes copies of correspondence, taxes, financial statements, and other documents from loan file as requested and approved by branch personnel
• Observes basic functions in the processing department, such as bookkeeping, wires, ACH, on-line banking, credit/debit cards, merchant services, cash management, credit analysis, credit review, and special assets
• Answers telephone calls and assists customers with questions and concerns and directs calls to appropriate person/department as necessary
• Reads policy manuals in order to gain an understanding of banking regulations and follows D.L. Evans Bank Policies and Procedures as well as Compliance Policies and Procedures
• Cross sells Bank services
• Completes required reports and records accurately and promptly
• Keeps work area and equipment clean, secure, and well maintained
• Establishes and maintains effective and professional business relations with customers and trade professionals
• Maintains the professional reputation of D.L. Evans Bank
• Helps other area personnel as required
• Keeps management informed of area activities and any significant problems or concerns
• Attends and participates in meetings and committees as required
• Promotes D.L. Evans Bank at all times
• Serves as a representative for D.L. Evans Bank in the community

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to continue with this applicant friendly, online job application!
D.L. Evans Bank is an Equal Opportunity Employer (EOE/AA/W/M/Vets/Disabled). VEVRAA Federal Contractor.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance