Commercial Banker Trainee

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.

Principal Accountabilities

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
  
  

In all of the areas listed above, the following are essential functions of the job:

• Understands, embodies, communicates, and instills corporate initiatives and vision, including the Six Pillars of Success.
• Maintains client information in complete confidence.
• Completes other specified duties as assigned.
• Regular attendance required, working at the assigned worksite, or assigned remote location during regular business hours and/or assigned hours.