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Business Banking Credit Analyst Intern

Company: Bank First
Location: Oshkosh
Posted on: November 22, 2021

Job Description:

Bank First Vaccination PolicyBank First will require full vaccination for all employees who conduct work on behalf of the Bank. Medical and religious exemptions will be available, and this policy will not supersede state or local laws.Bank First is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.Bank First was recently named to the Top 100 Banks for work for in the Country! Come see why!Position Summary: Assist the Bank's Business Bankers in the timely and objective analysis of new and existing extensions of credit. This would include research and gathering of financial information, writing credit reviews and recommendations, working with customers regarding financial information, working directly with the Business Banking Officers, tracking financial information and presenting to loan committees. This person must be able to interact professionally with internal and external persons at all levels. The expectation is this position will grow into a Business Banking Representative/Officer (sales).RESPONSIBILITIES:

  • Complete credit reviews for existing and prospective borrowers to assist in the underwriting process. Assist in the timely presentation of these credit reviews to the appropriate approval authority, as required by the Lending Policy.
  • Contact customers for financial information.
  • Assist in the tracking and timely completion of annual credit reviews, as required by the Lending Policy.
  • In the annual review process, make respective lender aware of outstanding exceptions related to the subject relationship. Also, review collateral documentation to ensure accuracy in comparison to the approved structure. As needed, conduct UCC and/or Real Estate Title Searches on those credits that have been identified for potential lien position risks. Order Appraisals.
  • Assist in the tracking, collection and spreading of Borrower's Business Financial Statements and Personal Financial Statements, as required by each lending arrangement determined by the respective Lender.
  • Document the minutes for the Bank's Credit Committee to ensure accuracy during the approval process.
  • Complete real estate appraisal reviews and real estate evaluations as required by appraisal review policy.
  • Attend the Loan Committee Meetings.
  • Prepare SBA applications and ensure SBA compliance
  • Other tasks as assigned
  • Adheres to the bank's Code of EthicsCompetencies:
    • Honesty, Integrity and Ethics - honesty and integrity is the ability to act in a fair and just manner, free from deception; ethics is the ability to be guided by the company's accepted principles of moral conduct
    • Accountability - the extend to which an individual is willing to accept responsibility
    • Adaptability - the extent to which an individual can fit into a changing working environment.
    • Decision Making - the ability to select an effective course of action while controlling resources and expenditures
    • Interpersonal / Customer Oriented - the ability to develop and maintain relationships with others. The desire to serve both external and internal clients by focusing effort on meeting the client's needs, understanding their concerns and seeking to build trust
    • Analytical Skills - the ability to gather data and process it into a meaningful form
    • Written Communication - the ability to write concise, clear letter and report, including proofing and editing
    • Financial Aptitude - the ability to understand and explain economic and accounting information
    • Accuracy - the level of which am individual's work is error free within the company policies and guidelines
    • Organized - the ability to be structured and methodical in working skills
    • Relationship Building - the ability to establish and maintain a good rapport and cooperative relationship with customers and co-workers
    • Working under pressure = the ability to maintain composure when exposed to stress
    • Results oriented - the ability to drive behaviors to emphasize achievement. The ability to be self-directed towards accomplishments, be action oriented, enjoy challenges, and pursue opportunitiesSkills/Knowledge/Abilities:
      • Bachelors Degree in Accounting ,Finance or Economics preferred
      • A minimum of 6 months experience in credit or as Credit intern
      • Strong verbal and written communication skills
      • Strong interpersonal skills
      • Proficient computer skills (Microsoft Word, Power Point and Excel)
      • Excellent organizational skills
      • Ability to handle self professionally with all levels of clients
      • Attention to detailThis job description does not constitute an exhaustive list of responsibilities and management may revise at any time

Keywords: Bank First, Oshkosh , Business Banking Credit Analyst Intern, Accounting, Auditing , Oshkosh, Wisconsin

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