Credit Intern
Company: Fresno First Bank
Location: Fresno
Posted on: October 23, 2024
Job Description:
Description:Who We Are: FFB, a dynamic and acclaimed
single-branch bank born in the heart of Fresno, CA in 2005, is on a
mission to redefine the banking experience. Our commitment to
delivering top-notch banking services has propelled us to the
forefront of the industry, earning us accolades and recognition. At
FFB, we recognize the uniqueness of each individual who walks
through our doors, and our dedicated team strives to craft
personalized banking solutions that cater to their distinct
needs.
What sets FFB apart is not just our Fresno roots but the diverse
talents that make up our team, hailing from every corner of the
country. We firmly believe that our people are our greatest
strength, and we're constantly on the lookout for ambitious and
passionate individuals who align with FFB's vision, regardless of
their location.
If you're ready to be part of a winning team and contribute to our
ongoing success story, we invite you to apply and join the FFB
family!
Recent Achievements Speak Louder Than Words:
- 2024 - American Banker - #1 Top Performing Publicly Traded Bank
with under $2b in assets
- 2023 - American Banker - "Top 5" Community Bank in the Country
#4
- 2023 - OTCQX - Best 50 Companies #3
- 2023 - 5-star Rating Bauer Financial What You Should Expect
While Working at FFB:
- Company ownership through our Employee Stock Ownership Program
(ESOP)
- A friendly, close-Knit work culture that encourages growth
- Opportunities to Participate in Community Networking
Events
- Benefits Packageo Medical/Dental/Visiono Life Insuranceo Paid
Vacationo 401(k) Retirement Plano Training & Developmento Tuition
Reimbursemento Employee Assistance Programo Internal Job Posting &
Referral Program
Ideal Candidate: FFB prides itself on its core values of Teamwork,
Relationship, Authenticity, and Commitment (TRAC). We expect that
our team members will reflect these values in the workplace in
various ways:
- Teamwork - We collaborate, hold each other accountable, and win
together.
- Relationship - We are trustworthy, transparent, and
respectful.
- Authentic - We are humble, vulnerable, and we speak up.
- Commitment - We are owners...Be hungry, responsive, and have a
sense of urgency.About the Position:The position of Credit Intern
is responsible for assisting the credit department with gathering
and analyzing credit information on current and potential
borrowers. This position will also help the credit department
determine the advisability of granting credit for diversified types
of loans; assists loan officers in writing loan requests; promotes
business for the Bank by maintaining good customer relations and
referring customers to appropriate staff for new services.
Essential Duties:
- Analyzes the (potential) client's credit & operations risk
using multiple sources of information (e.g., customer's credit and
operating risks, current and historical financial statements, cash
flows, tax returns, and financial trend analysis; all within
framework of Bank credit culture and current economic and industry
trends.
- Assists loan officers in gathering data from customers,
internal and outside sources.
- Assists with the daily monitoring and processing of
disbursement of funds from the various third party applications the
Bank uses to track lines of credit and construction loans.
- Conducts industry peer comparisons and performs cash flow
analyses and other such tasks and comparisons.
- Assists loan officers in coordinating processing of approved
loans; ensures loans are processed according to agreement, customer
needs and conform to Bank lending policies; obtains sufficient
information and/or documentation from customers; assists in solving
problems relative to processing and servicing of loans.
- Assists the loan officer in managing their portfolio.
- Assists with on-going computerization of the loan review
function.
- Assists loan officers in verification of funds with mortgage
companies and contractors.
- Monitors loan compliance (e.g., covenant compliance,
delinquencies)
- Develops knowledge of financial industry, economy, market
conditions, rates, vendors and competition.
- May represent the Bank in various community, civic, and
community reinvestment functions to further enhance the Bank's
image and develop additional business.
- Reinforces the application of superior customer service through
his or her own example along with appropriate follow through with
involved customers and employees.
- Assists in providing deposit and loan account ratings for loan
officers.
- Demonstrates knowledge of and adherence to EEO policy; shows
respect and sensitivity for cultural differences; educates others
on the value of diversity; promotes working environment free of
harassment of any type; builds a diverse workforce and supports
affirmative action.
- Assures compliance with all Bank policies, procedures and
processes, and all applicable state and federal banking laws,
rules, and regulations, and adheres to Bank Secrecy Act (BSA)
responsibilities that are specific to the position.
- Follows policies and procedures; complete administrative tasks
correctly and on time, including mandatory Bank Compliance
Training; supports the Bank's goals and values; benefits the bank
through outside activities.
- Treats people with respect; keeps commitments; inspire the
trust of others; work ethically and with integrity; uphold
organizational values; accept responsibility for own
actions.Requirements:
- Bachelor's degree, graduating senior, or final semester junior
required. Educational experience in business or financial industry
recommended.
- Basic experience, knowledge and training in financial statement
and tax return analysis typically resulting from a combination of
education in accounting, financial and/or credit analysis or
related areas.
- Basic knowledge of commercial, construction, real estate and
consumer loan processing preferred.
- Ability to read, analyze and interpret general business and
technical procedures.
- Basic knowledge of related state and federal loan regulations
and other Bank lending policies preferred.
- Ability to effectively present information and respond to
questions from groups of managers, customers, and members of the
general public.
- Basic skills in computer terminal and personal computer
operation; mainframe computer system; and word processing and
spreadsheet software.
- Basic typing skills to meet production needs of the
position.
- Ability to calculate interest, commissions, proportions, and
percentages; balance accounts; add, subtract, multiply and divide
in all units of measure, using whole numbers, common fractions and
decimals; locate routine mathematical errors; compute rate, ratio
and percent, including the drafting and interpretation of bar
graphs.
- Effective verbal, written and interpersonal communication
skills with the ability to apply common sense to carry out
instructions and instruct others, interpret documents, understand
procedures, write reports and correspondence, speak clearly to
customers and employees.
- Excellent organizational and time management skills.
- Ability to work with minimal supervision while performing
duties.
- Current California driver's license and a vehicle with
appropriate insurance coverage if required to drive while
performing assigned duties and responsibilities.
PI3113b00ad6a9-37248-35849167
Keywords: Fresno First Bank, Madera , Credit Intern, Other , Fresno, California
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