Commercial Banker Trainee
Academy Bank, Kansas City, MO, United States
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 borrowers 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 Trainees level of experience and after training programs Understand, communicate, and instill the Companys 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.
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 borrowers 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 Trainees level of experience and after training programs Understand, communicate, and instill the Companys 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.