MASTER OF ARTS

MATHEMATICS

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• Credit Department Intern at First State Bank

First State Bank – Job Description Job Title:                  Credit Department Intern                      Status:  Non-ExemptDepartment:             Risk Management - Credit Administration Reports To:               Credit Manager  Primary Purpose of the Job:Support the credit team by assisting with the evaluation, assessment, and management of credit risk for potential and existing clients. Essential DUTIES:Enter tax returns and financial statements into Moody’s Lending Cloud.Provide general support to other members of the Credit DepartmentBackup the Credit Associate when they are unavailableAssist in performing new loan auditsAssist in financial statement trackingExposure to the process of credit analysis, which includes:Prepare Committee Presentation Sheets for new and existing Commercial CreditsProduce cash flows using Excel softwareProduce collateral charts using acceptable valuation methods and approved advance rates Spread financial statements using Moody's Lending CloudUse Fiserv Navigator to itemize lending and deposit relationships of commercial loan customersState the customer’s compliance with financial statement reporting requirementsState the customer’s compliance with financial covenantsRecord committee minutes for upper management reporting Run and analyze personal credit reportsPrepare a "Credit Department Opinion" and review existing risk rating for committee presentations Order various forms of due diligence, including but not limited to: Real estate appraisals, equipment appraisals, collateral evaluations, and environmental reportsCreate and maintain a courteous and professional relationship with co-workers while maintaining timely and prompt daily attendanceComplete special projects as directed Other duties as assigned Required Experience/SKILLS:Good time management, analytical, and organizational skillsExcellent communication skills (written and verbal)Understanding of basic concepts in the fields of Finance and Accounting. Ability to handle various tasks simultaneouslyAbility to work independentlyResponsible for meeting timelines of productionLoan administration experience a plusWorking knowledge of Excel, Word, and Outlook Required EDUCATION:Minimum four credits in Accounting coursesEnrolled in an undergraduate program, majoring in Finance, Accounting or Business Preferred EDUCATION:Prior coursework in the following additional disciplines:      Finance, Business, and Composition  Working CONDITIONS:Office environment with little exposure to physical hazards or conditionsAbility to enter data into a computer and work with computer programs: Microsoft Word, Excel, and Outlook.Ability to stand and/or sit for long periods of timeAbility to reach with hands and fingers, touching computer buttons/adding machine buttons for extended periods of timeAbility to work a flexible schedule when necessary in order to meet deadlines. Employees are expected to comply with all laws, regulations, bank policies and procedures, including specifically First State Bank’s Bank Secrecy Act and Anti-Money Laundering Policy and procedures, and its Customer Identification Program.  Failure to comply with either the letter and/or spirit of these laws may result in disciplinary action, up to an including termination.    This job description does not list all the duties of the job. You may be asked by supervisors or managers to perform other instructions and duties. You will be evaluated in part based on your performance of the tasks listed in this job description.  Management has the right to revise this job description at any time. The job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.