Intern-Credit Analyst Commercial Lending

Job Overview

Right from the start, you will have exposure to the fundamentals of banking, positions and departments to establish a core understanding of banking. You will engage in project based work and networking opportunities while receiving guidance from your leader. You will develop professional and interpersonal skills that will be invaluable throughout your career.

The Credit Analyst intern will provide support to Credit Analysts as they underwrite loan requests for business and commercial real estate, reviewing and analyzing financial and industry data, borrower performance and management capabilities to assess credit worthiness and estimate the degree of risk involved in extending credit to commercial customers. This year round internship is in-person at our branch in Merrillville, Indiana. This internship would begin in the fall of 2024, and be 10-15 hours during the school year and up to 40 hours during the summer.

Duties

• Gather and analyze customer financial data to evaluate risk.
• Monitor credit requests for adherence to written lending policies and procedures and regulatory guidelines.
• Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs) and instructions
• Complete required training associated with job function.
• Other duties as assigned.

Qualifications & Skills

• Must be a Junior or Senior at the start of the internship.
• Must be pursuing a bachelor's degree with major or minor in Accounting or Finance.

Core Competencies

• Teamwork
• Adaptability & Flexibility
• Attention to Detail
• Problem-Solving

Physical Requirements

Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and the ability to exercise prudent judgment for solutions from unexpected situations that arise. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through involvement in local organizations and events.

PHYSICAL REQUIREMENTS:

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)

Physical Demand:

Percentage of Time:

• Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.

90-100%

• Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility.

90-100%

• Able to grasp, move and sort forms and papers.

90-100%

• Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone

90-100%

• Able to remain stationary at a desk for long periods of time.

75-100%

• Regularly move about the office to access file cabinets, storage drawers and various office equipment

75-100%

• Occasionally position self to reach heights between floor and 6'

<25%

• Occasional travel may be required to attend seminars and meetings. Some overnight travel may be required.

<10%

This Job Description reflects management's assignment of duties and responsibilities and is subject to change at any time.

Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer.