Commercial Banking Intern

Carter Bank•Martinsville, VA

17h

About The Position

Under the direction of the Commercial Regional Executive, learns and performs various support functions related to loan and deposit sourcing, underwriting, servicing, relationship building, and overall portfolio management.

Requirements

Working towards (or has obtained) Bachelor’s degree in Business, Finance, Accounting, or related field
Strong financial aptitude
Strong interpersonal skills
Strong verbal and written communication skills
Detail-oriented
Intermediate analytical skills
Proficiency in Windows-based PC systems
Knowledge of Microsoft Office, especially Word, Excel and Outlook preferred
Ability to perform effectively in fast-paced environment
Standing, walking, bending and stooping required
Must be able to sit at a desk for long periods of time and use a computer
Must be able to occasionally move or lift up to 10 pounds
May be asked to work supplemental hours periodically
Limited travel required occasionally during and after business hours

Nice To Haves

Knowledge of Microsoft Office, especially Word, Excel and Outlook preferred

Responsibilities

Works with existing and potential customers to develop new business and/or expand and retain current business
Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services
Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
Work closely with credit partners in the administration of new and existing loan relationships
Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines and developing trends
Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank’s outstanding loans
Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues, and other portfolio responsibilities are handled in a timely and accurate manner
Monitors loan payments and coordinates collection activities for all past due loans
Studies industrial, commercial, and financial situations relating to new or existing businesses
Utilizes tools available to pull prospect lists
Performs general tasks and provides general support to Commercial, Retail, Mortgage and Credit associates as needed
May represent the Bank at civic and community functions