Nichols College
and the job listing Expires on February 9, 2026
Full-Time Job Accounting, Data Analytics, Economics & Finance
River City Bank’s Commercial Banking Associate position is a launchpad into an exciting commercial banking career. Through our comprehensive credit training program, Associates dive deep into the financial engine that powers business, commercial real estate ventures, and high‑net‑worth individuals. Associates gain hands‑on experience in:
River City Bank Commercial Banking Associates learn how to assess risk, analyze financial statements, and structure smart, strategic deals.
What makes this program special
Real‑world learning: Associates work on live deals, not case studies
Mentorship that matters: Associates learn from seasoned professionals who have gone through River City Bank’s credit training program themselves
Career mobility: performance opens doors to advanced analytical and sales roles
Essential Functions
Makes steady ongoing progress toward completion of assigned training modules and actively participates in ongoing credit training sessions, subsequently demonstrating competency in assigned subject matter.
Conducts in‑depth analysis of creditworthiness of commercial, commercial real estate, and high net worth individual prospects and borrowers.
Prepares financial spreadsheets based on borrower submitted financial statements and tax returns.
Completes credit authorizations for renewals, loan modifications, and new loans; recommends loans for approval to Chief Executive Officer (CEO), Chief Credit Officer (CCO), and/or Sr. Credit Managers based on independent analysis and identification of risks.
Assesses and clearly articulates the purpose, repayment sources, financial analysis, business history, industry, key risks, and internal risk rating of each assigned loan.
Analyzes credit, UCC, appraisal, environmental, title, and other pertinent third‑party reports.
Assists in structuring loan terms and covenants based on risk analysis.
Assists with financial analysis for other departments as needed (e.g., vendor financial reviews and cash management risk assessments).
Ensures that borrower and credit documents, such as loan application, financial statements, and entity documentation, are incorporated in each borrower’s file.
Works closely with Relationship Managers (RMs) to request updated credit information and financial statements.
Completes loan covenant tracking in a timely manner and notifies account officer of any covenant violations.
Spreads updated financial statements and provides financial analysis to RMs and management as needed.
Completes annual credit reviews for commercial borrowers.
Assists in asset‑based credit analysis to ensure borrowing base certificates are performed on a timely basis.
Participates in calling efforts with CEO, CCO, and RMs.
Participates in Loan Committee meetings presenting Credit Authorizations for approval to CEO, CCO and members of the Bank’s Board of Directors.
Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
Supports the CRA and participates in community organizations.
Works with Credit Analysts on special projects.
Makes steady ongoing progress toward completion of assigned training modules and actively participates in ongoing credit training sessions, subsequently demonstrating competency in assigned subject matter.
Performs other duties as assigned.
Requirements Education:
Bachelor’s degree (BA or BS) with coursework in accounting, finance, or related degree from an accredited college with an overall GPA of at least 3.5.
Knowledge Skills/Abilities:
Ability to work independently as well as in a team environment
Computer literacy in word processing and spreadsheet software
Excellent written and verbal communication skills
Additional Comments River City Bank is an Affimative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws.
Note River City Bank does not sponsor applicants for work visas.
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Full-Time Job Accounting, Data Analytics, Economics & Finance
River City Bank’s Commercial Banking Associate position is a launchpad into an exciting commercial banking career. Through our comprehensive credit training program, Associates dive deep into the financial engine that powers business, commercial real estate ventures, and high‑net‑worth individuals. Associates gain hands‑on experience in:
River City Bank Commercial Banking Associates learn how to assess risk, analyze financial statements, and structure smart, strategic deals.
What makes this program special
Real‑world learning: Associates work on live deals, not case studies
Mentorship that matters: Associates learn from seasoned professionals who have gone through River City Bank’s credit training program themselves
Career mobility: performance opens doors to advanced analytical and sales roles
Essential Functions
Makes steady ongoing progress toward completion of assigned training modules and actively participates in ongoing credit training sessions, subsequently demonstrating competency in assigned subject matter.
Conducts in‑depth analysis of creditworthiness of commercial, commercial real estate, and high net worth individual prospects and borrowers.
Prepares financial spreadsheets based on borrower submitted financial statements and tax returns.
Completes credit authorizations for renewals, loan modifications, and new loans; recommends loans for approval to Chief Executive Officer (CEO), Chief Credit Officer (CCO), and/or Sr. Credit Managers based on independent analysis and identification of risks.
Assesses and clearly articulates the purpose, repayment sources, financial analysis, business history, industry, key risks, and internal risk rating of each assigned loan.
Analyzes credit, UCC, appraisal, environmental, title, and other pertinent third‑party reports.
Assists in structuring loan terms and covenants based on risk analysis.
Assists with financial analysis for other departments as needed (e.g., vendor financial reviews and cash management risk assessments).
Ensures that borrower and credit documents, such as loan application, financial statements, and entity documentation, are incorporated in each borrower’s file.
Works closely with Relationship Managers (RMs) to request updated credit information and financial statements.
Completes loan covenant tracking in a timely manner and notifies account officer of any covenant violations.
Spreads updated financial statements and provides financial analysis to RMs and management as needed.
Completes annual credit reviews for commercial borrowers.
Assists in asset‑based credit analysis to ensure borrowing base certificates are performed on a timely basis.
Participates in calling efforts with CEO, CCO, and RMs.
Participates in Loan Committee meetings presenting Credit Authorizations for approval to CEO, CCO and members of the Bank’s Board of Directors.
Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations.
Supports the CRA and participates in community organizations.
Works with Credit Analysts on special projects.
Makes steady ongoing progress toward completion of assigned training modules and actively participates in ongoing credit training sessions, subsequently demonstrating competency in assigned subject matter.
Performs other duties as assigned.
Requirements Education:
Bachelor’s degree (BA or BS) with coursework in accounting, finance, or related degree from an accredited college with an overall GPA of at least 3.5.
Knowledge Skills/Abilities:
Ability to work independently as well as in a team environment
Computer literacy in word processing and spreadsheet software
Excellent written and verbal communication skills
Additional Comments River City Bank is an Affimative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws.
Note River City Bank does not sponsor applicants for work visas.
#J-18808-Ljbffr