Internship Credit Analyst

Summary

The Credit Analyst Internship provides a student with the opportunity to work closely with the Credit and Commercial Lending teams within a community bank environment. This position is designed as a training experience within the Commercial Credit Department, offering exposure to commercial credit analysis and the inner workings of a community bank.

The intern will work alongside experienced credit professionals and gain hands-on experience supporting day-to-day credit department activities. Throughout the internship, the candidate will gain insight into the bank's operations, credit processes, and business strategies, while developing a practical understanding of how commercial credit supports relationship banking in a community bank setting.

The compensation minimum wage for this position is $28.00/hourly.

DUTIES AND RESPONSIBILITIES:

• Prepares financial statement analyses and reviews related credit materials, including accounts receivable and payable agings, tax returns, credit bureau information, and industry-related resources
• Understands and applies the bank's credit-related policies and procedures to support credit department activities
• Assists commercial loan officers with the preparation of loan packages, analyses, and documentation for internal credit review and approval
• Reviews loan files and supporting documentation to ensure completeness, accuracy, compliance, and proper structure
• Provides day-to-day operational, analytical, and administrative support to the Credit and Commercial Lending departments
• Leads or assists with ad hoc projects, special assignments, and departmental initiatives, demonstrating flexibility and a willingness to contribute wherever support is needed
• Willingly pitches in on a wide range of tasks and responsibilities, adapting to changing priorities and business needs to help ensure work is completed accurately and timely
• Performs all job functions in compliance with company policies and applicable federal and state regulations, including BSA/AML, OFAC, and GLBA/privacy requirements
• Performs other duties as assigned

This program, although short term, is designed to help the intern learn the fundamentals of credit analysis through hands-on training and real-world experience. The position provides both the intern and management with clear milestones to track progress, development, and learning throughout the internship.

QUALIFICATIONS:

• Currently enrolled College student working towards a degree in a business, finance, or economics

KNOWLEDGE, SKILL, ABILITY:

• Familiarity with personal and business financial statements, including basic financial reports such as income statements, balance sheets, and cash flow statements
• Ability to communicate clearly and professionally, both verbally and in writing, with teammates across the organization
• Demonstrates professionalism, reliability, and a positive attitude when interacting with others
• Displays intellectual curiosity, a strong desire to learn, and the confidence to ask thoughtful questions
• Ability to think critically and logically to help identify issues, gather information, and support problem-solving efforts
• Ability to follow detailed instructions, learn new processes, and adapt to new concepts and systems
• Strong organizational skills with the ability to prioritize tasks, manage multiple assignments, and maintain attention to detail and accuracy
• Self-motivated with a strong sense of accountability and the ability to follow through on assigned tasks
• Ability to complete work within assigned timeframes while maintaining quality and integrity
• Maintains strict confidentiality of all information obtained during the course of job duties and adheres to all bank policies and procedures regarding confidentiality
• Good working knowledge of Microsoft Office applications, particularly Word and Excel

WORK ENVIRONMENT:

Work performed in an office environment. Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

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.

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. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.