Commercial Banking Intern

Fishback Financial Corporation; Roseville (CA); On-site; USD 29,000 - 37,000; Full time

Benefits offered by this job

Medical, Dental, and Vision insurance

Health Savings Accounts

401(k)/ESOP Profit Sharing

Paid Time Off

Flexible Work Arrangements

Paid Parental Leave

Student Loan Repayment Assistance

Job summary

First Bank & Trust is offering an internship to learn underwriting fundamentals for commercial loans in a hands-on banking environment. You will analyze smaller credits, learn credit administration, and gain exposure to cash management and wealth management services.

The role emphasizes detail orientation, strong communication, and eagerness to learn all aspects of commercial banking, with real-world lending and risk assessment experience. Join a community-focused institution committed to growth.

Qualifications

• This person should have a minimum of three years of business-related classes in a higher learning setting or equivalent.
• Being detail oriented and having excellent communication and customer service skills are essential.
• Self-motivated with an eagerness to learn all aspects of Commercial Banking.

Responsibilities

• Participate in interviewing loan applicants, collect, and analyze financial and related data to formulate proposals for existing and prospective clients.
• Observe meetings with loan customers.
• List and describe various loan types and products.
• Compile and prepare proper underwriting information.
• Introduction to credit worthiness and cash flow by analyzing credit information and referring to policy and guidelines.
• View loan servicing and closing.
• Assist with analyzing and risk rating credit lines requiring Loan Committee review.
• Gain knowledge of banking products and services.
• Develop and maintain effective working relationships throughout First Bank & Trust to promote cross-selling of products and services.
• Utilize banking systems and observe how they integrate into business processes.
• Gain skills related to professionalism, financial analysis, decision-making, customer service and communication.
• Complete special projects as assigned.
• Attend loan meetings as directed and participate in decisions that affect ongoing and future operations of the department.

Skills

Detail oriented

Excellent communication

Customer service

Eagerness to learn

Education

Three years of business coursework

Job description

Job Description: As an intern, this person will learn the fundamentals of underwriting commercial/business loans. This person will engage in commercial banking basics by analyzing smaller commercial credits, along with credit administration. This position will include exposure to Business Solutions/Cash Management and Wealth Management Services.

Learn more at www.bankeasy.com\careers.

Qualifications

This person should have a minimum of three years of business-related classes in a higher learning setting or equivalent. Being detail oriented and having excellent communication and customer service skills are essential. This person should be self-motivated with an eagerness to learn all aspects of Commercial Banking.

Principal Responsibilities

• Participate in interviewing loan applicants, collect, and analyze financial and related data to formulate proposals for existing and prospective clients.
• Observe meeting with loan customers
• List and describe various loan types and products
• Compile and prepare proper underwriting information
• Introduction to credit worthiness and cash flow by analyzing credit information and referring to policy and guidelines
• View loan servicing and closing
• Assist with analyzing and risk rating credit lines requiring Loan Committee review.
• The analysis must be consistent with the findings of the appropriate regulatory agencies.
• Gain knowledge of banking products and services.
• Develop and maintain effective working relationships throughout First Bank & Trust to promote cross-selling of products and services.
• Utilize banking systems and observe how they integrate into business processes.
• Gain skills related to professionalism, financial analysis, decision-making, customer service and communication.
• Complete special projects as assigned.
• Attend loan meetings as directed and participate in decisions that affect ongoing and future operations of the department.

Compensation

The anticipated hourly range for this role is between $20.84 and $27.08. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors, including the individual’s relevant experience, training, skills, work location, and other considerations. For those in eligible roles, we offer incentive compensation based on individual performance. Furthermore, this role may qualify for a variety of benefits, such as Medical, Dental, and Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave and Student Loan Repayment Assistance.

Compensation Grade Hourly Grade 3 First Bank & Trust is an Equal Opportunity,affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement.

Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email [e-mail].

We invest in our people: Our communities have contributed to the success of our business and our families. In turn, this allows us to contribute to the success of our communities. We have remained an independent community institution over the years and employ almost 700 people. Our employees are like family (they’re also part owners). Not only is working for us rewarding, but you’ll also be a part of a positive culture and company that gives back to the community.

Our benefits: Comprehensive Healthcare Benefits Peace of mind when it comes to you and your family's well-being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance. 401(k) & ESOP Profit Sharing Employees are owners. Receive a match of up to 7% of your contributions to your retirement account.

• Medical, Dental, and Vision insurance
• Health Savings Accounts
• 401(k)/ESOP
• Paid Time Off
• Flexible Work Arrangements
• Paid Parental Leave