Winter Loan Review Intern

As a Commercial Lending/Loan Review Intern, you will get exposure to the different functional areas of Commercial Lending/Loan Review.  You will get first-hand experience with the financial analysis of various types of companies/industries while also contributing to the development and underwriting of commercial loan proposals/portfolio maintenance.    In addition, you will collaborate with other summer interns on a group project, while having the opportunity to immerse yourself in Central Bank through job shadowing, lunch & learns, executive panels, professional development, and volunteer & social activities.

Loan Review

• →Assist with the analysis of various types of credit information on a variety of loan types, including but not exclusive to large, complex entities as well as non-profit entities.
• →Assist with efficiently preparing accurate financial statement spreads and narrative analysis consistent with departmental procedures and credit policy.
• →Assist with assessing and comparing the attributes of a credit relationship to loan risk rating definitions and providing a well-supported rating recommendation
• →Assist with compiling information for various reporting requirements of the Loan Review function.
• →Assist an analyst in conducting an audit
• →Assist an analyst with an annual review

Commercial Lending

• →Assist in analyzing an applicant’s financial status, credit, and asset evaluation to determine feasibility of loan requests
• →Assist in the preparation of new loan proposals within loan policy.
• →Assist in championing a loan opportunity through the approval process, including attending various loan committees with the account officer
• →Assist in managing loan portfolios via assisting the commercial lender with renewal, modifications, covenant monitoring, etc.

• →Perform other loan review/commercial lending duties as assigned.  All responsibilities require a positive, cooperative, self-motivated, courteous, and professional attitude.

• High school education or equivalent.
• Sophomore or Junior Enrolled in a four (4) year institution of higher learning majoring in Accounting or Finance

• Minimum 3.0 GPA, preferably higher

• Self-starter with high degree of achievement orientation and desire to learn.
• Excellent written and verbal communication skills
• Ability to multitask and prioritize multiple projects with competing deadlines.
• Must possess good judgment skills and the ability to handle confidential information.
• Strong attention to detail.
• Proficiency in Microsoft Office

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Regularly required to sit; stand; walk; talk; see and hear. Regularly required to use hands to handle or feel objects, tools, or controls and reach with hands and arms. Occasionally required to stoop, kneel, or crouch.  Regular travel across Retail footprint required. Frequently lift and/or move up to 25 pounds.  Occasionally lift and/or move up to 50 pounds. Specific vision abilities include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

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

Work is normally performed in a typical interior/office work environment. The individual experiences little discomfort from noise, dust or other factors. Prolonged standing (5- 8 hours per day) may be required.  May be exposed to potentially hazardous conditions, i.e. robbery.  Receives detailed instructions and procedures to be followed to minimize the exposure.  Must maintain a valid driver’s license and be able to travel as needed throughout the Central Bank of the Midwest footprint.  Any required travel is typically completed within normal business hours.