Internship- Scope Credit Analyst

RESPONSIBILITIES #Ll-Hybrid *Not eligible for sponsorship*

• Takes initiatives to learn about Park brand, culture, and history

• Develops an understanding of department operations, processes, procedures, and performance standards
• Contributes to projects and daily work in assigned banking departments
• Presents project results to appropriate audience as requested
• Networks with other associates, leaders, and executives across the bank to develop strong relationships
• Completes required trainings in a timely manner and seeks out additional learning and development opportunities
• Assist in preparation of loan requests and loan renewal write-ups; including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
• Learn about underwriting in accordance with current regulations, compliance terms, bank policy, and legal requirements
• Accurately spread financial statements and tax returns and analyze historical performance
• Assist in the preparation of annual reviews of existing clients upon receipt of updated financial information
• Assist in the monitoring of financial statement requirements, loan covenants, and borrowing base certificates and communicate findings to lender and manager. Prepare pertinent reports, tracking financial information and receipt thereof.
• Learn aspects of identifying, measuring, monitoring, controlling, and mitigating credit risk of the commercial loan portfolio
• Assist to obtain, analyze, and incorporate third-party borrower information (e.g., credit reports, costar, RMA)
• May accompany Commercial Lenders on calls and inspections, and assist with presenting loan requests to approvers as needed.
• Learn about Park's credit culture and credit policies

SCHEDULE

Typical office hours are Monday - Friday from 8:00a-5:00p. This position a full-time and expected 40 hours/week. This role is hybrid with 3 days a week onsite and two remote days. Office located in downtown Newark, Ohio.