"Alerted.org

Summary

The Commercial Banker Trainee is part of the Commercial Banker Development Program which will provide training in commercial credit, loan review, loan operations, and commercial lending through shadowing a commercial lender.

Responsibilities

Within the Commercial Credit Department, the Commercial Banker Trainee will receive training and then be able to perform the following tasks:

+ Financial statement spreads.

+ Financial analysis of commercial loans (both real estate and commercial and industrial).

+ Prepare well-written financial analysis of loans for presentation to loan officers and/or loan committee.

+ Complete financial analysis reports that are completed in a quality manner and within service timeline expectations.

+ Effective communicator with lending officers, supervisors, and co-workers to provide for effective follow up on credit reviews.

+ Other special projects or other tasks as required by supervisor/manager.

Within the Loan Review Department, the Commercial Banker Trainee will receive on-the-job training and then will be able to perform the following tasks:

+ Review commercial credits to determine whether any change in risk rating should be made.

+ Prepare written reports of loan review findings.

+ Present to Loan Review Department supervisors on the findings during a specific commercial loan review.

Within the Loan Officer shadowing process, the Commercial Banker Trainee will be able to perform the following tasks:

+ Assist the loan officer with creation of the Credit Approval Submission (CAS) document for loan approvals.

+ Assist the loan officer with borrower contact in obtaining financial information and other required loan documentation.

+ Conduct property inspections of collateral securing commercial loans.

+ Participate in loan meetings with borrowers and the Commercial Loan Officer.

+ Ability to apply skills toward effective financial analysis of borrower’s financial statements, cash flow analysis, and analysis of commercial credit.

+ The individual will be able to perform credit analysis of noncomplex credits with the expectation that progress will be made toward more complex credit analysis after fulfilling the minimum job responsibilities.

+ The individual will be able to apply Bank Credit Underwriting standards to other functions including loan review and loan origination.

+ The expectations will coincide with the Commercial Banker Trainee’s level of experience and after training programs

+ Understand, communicate, and instill the Company’s mission, vision, and values (Pillars of Success).

+ Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.

+ Working at the worksite during regular business hours and/or assigned hours.

+ Other specified duties as assigned.

Skills

• Strong attention to detail and ability to complete work accurately.

• Ability to organize work.

• Strong written and verbal communication skills, required.

• Strong ability to make presentations both in writing and orally.

• Strong analytical skills.

• Proficient in Microsoft Office suite of products.

Education & Experience

The Commercial Banker Trainee will generally possess an undergraduate degree in either the field of accounting, finance, economics, real estate, business administration, or related field. Work experience in commercial banking is not required.

Physical Requirements

The work environment is typical of a standard office or retail banking setting. The position is sedentary, involving sitting most of the workday; however, the position will involve moving about the workspace to reach entrances/exits, restrooms, conference rooms, or other areas within the work environment. Reaching may be required involving the ability to move arms in any direction. Office equipment, such as a computer and telephone, will be used requiring the ability to manipulate a keyboard, mouse, and/or keypad. The ability to decipher a computer screen or

written documents is necessary. The ability to express or exchange ideas; impart information to clients, coworkers, or the public; or to convey detailed or important instructions; is required. The ability to receive and understand detailed information shared through oral or written communication is required. Position requires lifting and/or the exerting of up to 10 pounds of force.

Compensation & Benefits

The Commercial Banker Trainee position pays a minimum of $24.05.

Full‐time associates are eligible for our benefits package:

+ Medical

+ Dental

+ Vision

+ 401(k) plan

+ Company paid life insurance

+ Short and Long-term disability insurance

+ Company paid vacation, paid leave and holidays

This position will remain open until a qualified applicant is hired.

Equal Opportunity Employer/Disabled/Veterans

Academy Bank and Armed Forces Bank provides equal employment opportunities to applicants and employees without regard to race, color, religion, sex, national origin, protected veteran status, disability. Academy Bank and Armed Forces Bank provides affirmative action data on protected veteran status or disability. If you need an accommodation for any part of the employment process, please email [email protected]