Commercial Lending Analyst Intern

Sunwest Bank; Irvine (CA); Hybrid; USD 28,000 - 32,000; Full time

Job summary

Sunwest Bank is offering a summer Analyst Internship designed to support Commercial Relationship Managers in evaluating commercial real estate and business lending opportunities. You will prepare financial analyses, assess creditworthiness, assist with loan structuring, and help manage lending relationships.

The role involves working with lending officers, credit administration, and executives to facilitate sound credit decisions, while ensuring compliance with bank policies and applicable

Qualifications

• Bachelor's degree required.
• Strong accounting and financial analysis skills.
• Proficiency in Excel and Word.
• Knowledge of loan documentation is a plus.
• Ability to handle high workload from multiple sources.

Responsibilities

• Support Commercial Relationship Managers in analyzing commercial real estate and business lending opportunities.
• Maintain an assigned loan portfolio as a secondary Relationship Manager.
• Prepare accurate financial statement spreads and debt service analyses using business and personal financial statements and tax returns.
• Develop credit authorizations and present thorough analyses of existing and prospective borrowers.
• Identify customer needs and develop cross-sell opportunities.
• Refer lending opportunities to appropriate lending personnel.
• Independently obtain financial information from customers and prospects for analysis and underwriting purposes.
• Monitor borrower compliance with loan covenants.
• Prepare financial projections and maintain lending pipeline tracking logs.
• Research industry information relevant to borrowers and prospects.
• Consult with lending and credit administration personnel regarding credit structure, pricing, collateral, and risk considerations.
• Conduct trade and reference checks.
• Review documentation for compliance with bank policies and procedures.

Skills

Accounting principles

Tax return analysis

Balance sheet analysis

Income statement analysis

Cash flow analysis

Financial interpretation

Microsoft Word

Excel

Loan documentation

Workload management

Education

Bachelor's degree

Job description

Sunwest Bank is offering a summer Analyst Internship designed to support Commercial Relationship Managers in evaluating commercial real estate and business lending opportunities. You will prepare financial analyses, assess creditworthiness, assist with loan structuring, and help manage lending relationships.

The role involves working with lending officers, credit administration, and executives to facilitate sound credit decisions, while ensuring compliance with bank policies and applicable