Lending Intern

Position Summary

The Lending Intern performs assigned duties, responsibilities, and studies while participating in a formal lending training program. Participates in all operations and procedures of the lending department.

Essential Duties And Responsibilities

• Attend to the needs of present and potential customers seeking a banking relationship that may involve unsecured funds and/or credit secured by mortgages or other banking products.
• Interview applicants to develop information concerning their business or consumer needs, desires, repayment ability and earnings to determine the viability of the relationship.
• Obtain and direct the analysis of all financial data.
• Conduct credit checks and make on-site visits.
• Take the banking relationship through the credit process, deposit process, and ancillary bank products process.
• Follow current loans to ensure complete conformity with terms and identify developing trends.
• Work with customers to correct/clear loan exceptions (financial, covenant, collateral, etc.) as needed.
• Perform site visits for loan collateral.
• Assist with the implementation of Abrigo and other software initiatives.
• Represent First Guaranty Bank in the community.
• Adhere to BSA/AML policy and all other bank policies.

Minimum Qualifications (Education, Experience, Skills)

• Minimum GPA of 3.00
• Enrolled in a business-related major (i.e. accounting, finance, etc.)

Physical Demands and Work Environment

• Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.
• While performing the duties of this position, the employee is regularly required to talk and hear.
• The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls.
• The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.