Credit Analyst Intern - Bozeman

About The Role

First Security Bank is a Financial Institution with 8 branches located in Bozeman, Four Corners, Belgrade, Three Forks, West Yellowstone, and Big Sky Montana. We are dedicated to serving Gallatin Valley communities. We work hard to bring you the best rates in the industry combined with the most secure banking practices. Our mission is to ensure customer/employee satisfaction and retention; as well as financial growth.  We are known for providing one-on-one client services with comprehensive banking solutions for our clients.  Our vision is to be the financial institution and employer of choice.

First Security Bank is a growing company with opportunities.  We see our growth strategy as an opportunity to not only increase market presence, but also add top talent to our team of professionals. 

As an intern you will gain valuable work experience in a professional environment.  Our interns play an essential role in the departments they are part of, working on special projects, and networking with our teams.   

DUTIES AND RESPONSIBILITIES:

This position will provide an opportunity to work closely with our team of Credit Analysts, Commercial Lenders, and Loan Servicing team memebers.  The individual will work on special projects related to Credit Analysis, including input of financial statement data, performing research, compiling data and making recommendations.  Develop working knowledge of loan policy and gain the ability to communicate its interpretation to loan committee. 

Works under general supervision, performs routine duties related to preparing and, assembling documentation. Interpersonal skills to meet and deal effectively with the banks in a courteous manner responding to a variety of situations with professional discretion. Well developed written and verbal communication skills to maintain quality customer service in all aspects of the position. Has open communications with supervisor through sharing and accepting suggestions and ideas. Adjustments to change are made as necessary while maintaining a positive attitude

QUALIFICATIONS:

• Currently enrollend in the Montana State University Business Banking program - Jake Jabs College of Business

• Be pursing a degree in Finance or Accounting

• Desire to purse a career in Community Banking

• Experience with marketing computer software, online applications, VRM analytics, and Google Adwords

• A high degree of reliability and dependability used to follow-through and meet commitments and agreements in a timely manner

• Exhibits excellent responsiveness and follow-up in assuming responsibility for and delivering on commitments

• Demonstrated high level of quality, accuracy and attention to detail

KNOWLEDGE, SKILL, ABILITY:

• Input financial statement data into company software and analyze to determine credit worthiness of client.
• Prepare cash flow worksheets to demonstrate borrower’s ability to repay loans.
• Gain exposure to the loan approval process by completing credit authorization worksheets.  Input data, build tables, and borrowers relationships into presentation.
• Develop a working knowledge of loan policy and gain the ability to communicate its interpretation to loan committee.
• Research regulations and compliance related to bank policy and procedures.   
• Scans credit file documents, then reviews the documents insuring the image quality and file is complete.
• Contributes to team effort by accomplishing related results as needed, including special projects as assigned.
• Shadow Commercial Lender and Business Development Officer during the sales call process with prospective clients.
• Excellent customer service skills and previous customer service experience preferred.
• Ability to demonstrate proficiency in many systems and software used by First Security Bank employees.
• Projects a professional image to maintain credibility with customers and associates.
• Ability to communicate effectively verbally and in writing.
• Ability and willingness to learn and adapt to new tools, techniques and procedures.
• Excellent problem-solving skills.
• Ability to work independently to carry out assigned tasks.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position.  We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time.  Visit our website for more details!