Intern- Credit Analyst, Commercial Banking—Boise, Idaho
About The Position
Zions Bank has an opportunity for an intern to work in our Commercial Banking Group. The intern will also work on or be exposed to the following: Analyze financial statements of borrowers and guarantors and participate in underwriting key strengths and weaknesses. Analyze individual tax returns and credit reports to calculate debt to income ratio and personal cash flow available to service debt. Analyze borrower financial statement ratios and compare to the industry averages and generate a summary of questions/issues to discuss as part of loan underwriting. Perform research on individual owners and businesses and provide a summary of any findings. Review industry research reports to provide a summary of the specific industry for commercial and industrial loans. Author Credit Presentations with Mentor. Present Pre-Flight / Credit Presentation to State Credit Administrator. Assist in completing covenant testing and annual loan reviews. Participate in sales calls with Relationship Manager. Attend a Problem Loan Meeting.
Requirements
- Currently working on a Bachelor’s or Master’s degree with strong emphasis in finance, accounting, business or related coursework.
- Basic working knowledge or interest of financial and spread analysis, credit, lending and underwriting processes and principles.
- Knowledge or interest in working with various types of loans, credit risk, legal and regulatory requirements.
- Requires strong interpersonal and customer service skills.
- Good communication skills, both verbal and written, is essential.
- Detail oriented with strong analytical, organizational, and problem-solving skills
- Ability to make sound decisions and be inquisitive.
- Is not afraid to ask questions or make recommendations.
- Working knowledge of computer software programs including Excel, Word, Power Point, etc.
Responsibilities
- Analyze financial statements of borrowers and guarantors and participate in underwriting key strengths and weaknesses.
- Analyze individual tax returns and credit reports to calculate debt to income ratio and personal cash flow available to service debt.
- Analyze borrower financial statement ratios and compare to the industry averages and generate a summary of questions/issues to discuss as part of loan underwriting.
- Perform research on individual owners and businesses and provide a summary of any findings.
- Review industry research reports to provide a summary of the specific industry for commercial and industrial loans.
- Author Credit Presentations with Mentor.
- Present Pre-Flight / Credit Presentation to State Credit Administrator.
- Assist in completing covenant testing and annual loan reviews.
- Participate in sales calls with Relationship Manager.
- Attend a Problem Loan Meeting.
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What This Job Offers
Career Level
Intern
