Commercial Credit Banking Intern

POSITION SUMMARY:

The Commercial Credit Banking Intern will assist the Commercial Banking team on financial statement spreading, account relationships, periodically attending events, reviewing files and maintaining reports.

EDUCATION & EXPERIENCE:

• Current college student pursing a bachelor’s degree in business, finance, economics, accounting or a related field
• Minimum 3.0 GPA
• Excellent interpersonal communication and business writing skills
• Energetic and able to learn quickly in a fast-paced environment
• Ability to work in a team-oriented environment
• General understanding of Windows PC applications, including MS Excel, and other digital technologies

MAJOR DUTIES & RESPONSIBILITIES:

• Prepare account relationship summaries.
• Assist and observe with financial statement spreading.
• Obtain and review due diligence required for both new deal underwriting and annual relationship reviews.
• Review and prepare credit files including the analysis of financial spreads.
• Shadow commercial banking employees.
• Review and maintain ad hoc Excel based departmental reports.
• Review and update online document filing.
• Periodically attend credit committee events.
• Observe loan discussions, structuring and negotiations.

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. While performing the duties of this job, the employee is regularly required to talk or hear.  The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPLIANCE STATEMENTS:

EQUAL OPPORTUNITY AND AFFIRMATIVE ACTION EMPLOYER

Bank of Greene County is a federal contractor and an equal opportunity and affirmative action employer that provides equal employment opportunity in all employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other personnel actions, without regard to race (including traits historically associated with race), color, national origin, age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the status of being a victim of domestic violence, employee’s or a dependent’s reproductive health decision making (including, but not limited to, a decision to use or access a particular drug, device or medical service), known relationship or association with any member of a protected class, and any other characteristic protected by applicable law.

BANK SECRECY ACT (BSA)

Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments.

Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer.

All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer.

The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank’s Compliance Program as it pertains to his or her job functions.  Employees are expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC Program.  Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination.  Employee’s compliance violations may result in termination, individual fines, and possible imprisonment.