Credit Analyst Intern

Fort Worth, TX

Reports to: Senior Credit Officer
FLSA: Non-exempt

The Credit Analyst Intern is primarily responsible for providing support to Ciera Bank’s Central Credit Group in their underwriting of Commercial and Industrial (C&I) and Commercial Real Estate (CRE) loans. The analyst will receive on-the-job training covering the operations and procedures of the Central Credit Group and will assist with analyzing existing and potential commercial credits involving working capital, equipment, and real estate transactions.

Essential Functions

(Majority of duties, but not meant to be all inclusive nor prevent other duties from being assigned as necessary)

Spread financial statements and tax returns for use in credit analysis.
Assist with the preparation of Credit Memorandums presented to Loan Committee on a weekly basis, with the opportunity to participate in meetings.
Perform market research including, but not limited to:
Identifying surrounding land uses.
Analyzing housing and lot activity.
Researching micro-economic trends

Summarizing key points from published reports.
Assist with monitoring loan covenants for existing extensions of credit.
Utilize Microsoft Excel to build and maintain an internal database of sale comparables for office, retail, industrial, multifamily, land development, and other major types of real estate.
Perform site visits to document Bank’s collateral.
Develop a basic understanding of the Bank’s systems, processes, and underwriting standards.
Establish and maintain credit files to ensure accuracy and completeness.
Perform other duties, as assigned.

Knowledge, Skills & Abilities

Pursing or Recent Graduate of a Bachelor’s degree in Finance, Accounting, or Economics.
Real Estate coursework is preferred.
Professional experience in a finance or real estate related field through internships, part-time or full-time work, and/or extracurricular activities a plus.
Advanced computer skills including Microsoft Word and Excel, with an emphasis on financial modeling.
Advanced analytical skills with an ability to interpret complex financial information.
In-depth knowledge of accounting principles with ability to prepare and analyze financial statements.
Advanced written, oral, and interpersonal skills with ability to prepare and perform presentations.
Must be self-motivated with strong initiative, accountability, and attention to detail.
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines

Working Conditions

(Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of this position.)

Internal – Work is normally performed in climate-controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of job duties.

External –Occasionally work will include driving for site visits, inspections or meeting, with exposure to traffic, outside atmospheric conditions, heat/cold, or moisture.

Physical Demands

(The physical effort generally associated with this position)

Work involves standing and walking for brief periods of time, but most duties are performed from a seated position. There is potential for eyestrain from reading detailed printouts and computer screen. Deadlines, workloads during peak periods and pressure may cause increased stress levels. Work may include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as files, documents, and computer printouts. Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at an advanced skill level.

Working Relationships / Contacts

(Positions, other than supervisor and immediate co-workers, with which incumbent has frequent contact and the reason for contact.)

Internal – Any other bank employees, as necessary to fulfill job requirements.

External – Occasional contact with borrowers, auditors, regulators, etc.

Supervision of Others – No direct supervision of others.

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