Credit Analyst Intern

Starting Pay Rate is Based on Experience - Minimum Hourly Rate:

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company's achievement as well.

A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results.

What are our values? Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING companythat's built on these pillars?

What about the perks? Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE.

Supervisory Responsibilities: None

Summary: This position is an entry level position in the credit department for commercial loans. This individual will support experienced underwriters in the department and management with reports and analysis. This person must be comfortable with numbers and large spreadsheets and must be able to think critically. . Basic knowledge of accounting and finance principles is strongly preferred.

Essential Duties and Responsibilities:

• Analyst should display independent thought to present data, conclusions and recommendations taking into account the boundaries of regulations, policies, and guidelines.
• Collecting and analyzing financial information about borrowers regarding income, assets, and debts to determine the level of credit that is appropriate for simple commercial loan relationships
• Interact with internal and external customers to deliver reports and other information promptly.
• Being a problem solver for the team as miscellaneous projects are assigned or procedures are changed and new procedures are created.
• Thinking independently to present data, conclusions and recommendations when there may not be a predefined policy or procedure.
• Identify potential risks or insufficient controls in procedures and reports. Take ownership for accuracy and readability of reports.
• Identify warning signs in reports and potential mitigating factors.
• Miscellaneous report writing and administrative tasks including:
  • Reviewing credit risks in customer requests for and Automatic Clearing House limits
  • Spreading customer financial statements
  • Deliver and interpret personal and business credit bureau reports and legal filing searches
  • Completing collateral and/or financial worksheets for periodic covenant testing and borrowing base monitoring

Knowledge, Skills, and Abilities:

• Adept at time management to meet strict deadlines and respond to high urgency requests from Management and/or Loan Officers
• Ability to think critically and express conclusions in writing and verbally
• Aptitude for quantitative analysis working with numerous variables, spreadsheets with large amounts of data, identifying/summarizing patterns and trends
• Must be a quick study for new tasks, procedures, software/technology as well as conceptual philosophy behind a diverse set of tasks related to risk management of commercial loans.
• Strong organizational skill sets
• Strong attention to detail
• Working knowledge of Microsoft Office and financial worksheets/spreads
• Minimal travel required

Minimum Requirements:

• Working towards a Bachelor's Degree with significant accomplishment in finance and accounting.
• Knowledge commercial lending a plus.

What do I do now?

• Apply with us!
• Refer this opening to others!

Disability Accommodation Statement
Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at 219-755-6160 or send us an email at hrcareers@centier.com.

Equal Opportunity Employer: Disability/Veteran
Centier Bankis proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.