Credit Analyst Intern

The position of Credit Analyst Intern (CAI) is responsible for learning and supporting Sr. Credit Analyst (SCA) in analyzing credit information on current and potential borrowers. The CAI works in collaboration with the Sr. Credit Analyst in determining the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The CAI assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

1. Assists SCA in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
2. Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
3. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
4. Underwrite loan requests for SCA review; makes recommendation on loan structures and terms to SCA.
5. Assist SCA in the review and renewal of credit facilities, and annual loan reviews of term loan customers to determine that current risk grades are still accurate.

Target compensation: $20.00 per hour

• Bachelor's degree in process (BA or BS) or equivalent from a college or technical school; or five years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent.

Minimum Requirements

• Project a businesslike professionalism to the client in both appearance and manner.
• Possess a strong customer service orientation, and a willingness to place the customer first.
• Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
• Basic skills in computer terminal and personal computer operation; including word processing and spreadsheet software.
• Ability to work with minimal supervision while performing duties.

sick time