NB1425 - Intern Associate (Commercial Lending)
2 weeks ago
Job Title: Intern Associate
Department: Commercial Lending
Job Location: Rahway, New Jersey
Job Status: Full Time
The internship position will grant exposure to various aspects of the Commercial Lending Department. The intern will have the opportunity to participate in various training offerings related to the role, networking lunches, executive one-on-one sessions, and be assigned a mentor/buddy during the program.
Responsibilities:
- Preparation of a formal credit risk analysis and supporting financial spreadsheets for commercial real estate transactions, business loans, and construction projects.
- Independent evaluation and review of all pertinent credit and financial information, including audited, reviewed, compiled and management-prepared financial statements, tax returns, credit bureau reports, vendor and bank inquires.
- Perform independent due diligence as necessary to appropriately vet all prospective individual and corporate entities.
- Determine loan feasibility by analyzing the financial condition, operating performance, and repayment ability of borrowers utilizing financial statements, collateral documentation, borrower interviews, and industry and economic data.
- Approve loans within established limits or refer loans to Loan Committee for review and approval.
- Travel to business owner properties/locations for meetings.
- Perform walk-through inspections of commercial buildings and construction areas.
- Process commercial loans for approval through closing by entering data into EZ Lender system upon receipt of Term Sheet and good faith deposit.
- Partner with Loan Officers by tracking information/documentation received and informing them of unresolved items needed to complete the process.
- Attend Bi-Weekly team meetings.
- Be assigned specific project to work on.
- Maintain confidentiality of customer information at all times.
- Compliance with all relevant Bank policies and procedures.
OTHER: May require occasional travel for business meetings or training.
Competencies:
Required
- Productivity - Generates high level of output. Consistently meets workload demands. Consistently meets deadlines. Efficient at multi-tasking and demonstrates organization skills. Strives for results and efficiency.
- Service Oriented - Acts professionally and calmly at all times when interacting with others. Consistently demonstrates concern and courtesy towards colleagues and customers. Treats all people respectfully. Takes personal responsibility for correcting problems. Follows up with individuals to ensure satisfaction with the level of service they have received.
- Accuracy/Attention to Detail - Ensures that work is complete and without error. Verifies information. Accomplishes tasks by considering all areas involved, no matter how small. Shows concern for all aspects of the job. Accurately checks processes and tasks. Being watchful over a period of time.
- Teamwork/Collaboration - Actively participating as a member of a team to move the team toward the completion of goals. Accountable to team, appreciates views and ideas from team members, respectful to team members. Shares his/her expertise with others. Expresses disagreement constructively. Provides assistance when others need it. Works collegially with others, cooperating in both interpersonal and team relationships. Fosters enthusiasm and maintains mutual trust, candor and respect. Partners with groups effectively and builds business relationships with others.
- Customer Interaction - Knowledge of practices, tools, and techniques for communicating with a customer. Dedicated to exceed customer expectations. Anticipates and identifies customer needs and provides timely solutions that promote value. Establishes effective relationships with customers. Gains their respect and trust.
- Banking Product Knowledge - Understands the products and services available through the retail branch bank. Knows product features, understands marketplace, shares expertise with others.
- Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices
Preferred
- Problem Solving - Strives to understand contributing factors and root cause of the issue. Considers all possible solutions within compliance of the Bank. Partners with appropriate stakeholders who may have involvement in or be impacted by the solution. Works to resolve complex situations.
- Interpersonal Skills - Demonstrates behavior in alignment our Code of Conduct. Possesses a positive attitude and enthusiasm towards customer interactions, job duties and work performance. Is approachable, warm, friendly and open-minded. Is capable of adjusting communication style to effectively interact with both internal and external client.
- Resource Management - Allocates time and resources effectively. Prioritizes work and delegates as appropriate. Works to minimize risk by acting as a responsible steward for the bank.
Job Requirements
Required
- High School Diploma or equivalent
- Proficiency in Microsoft Office, particularly Word and Excel
- Ability to multi-task
Preferred
- Operating knowledge of FISERV, credit
- Previous loan experience
- Familiarity of accounting and financial terms
- Proficiency in using web based search engines
*Northfield Bank is an Equal Employment Opportunity Employer M/F/Disability/Protected Veteran*
Salary Pay Range: $18.00 per hour (This range is for informational purposes only. Offer of employment will be made based on level of experience and skill qualifications within this range)
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