Credit Intern

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.

Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more! 

Position Summary

This is a part-time internship opportunity for the Fall semester, designed for students pursuing a business-related degree. The Credit Intern will participate in a structured credit training program, gaining hands-on experience in credit analysis and department operations. The position is limited to a maximum of 900 hours.

Essential Duties and Responsibilities

• Assist senior credit analysts and lending officers by developing credit information for new, renewal, and extension loan decisions.
• Research and analyze credit and financial data from various sources, including credit bureaus, reporting services, internal files, and external contacts.
• Review and interpret financial statements and related documents.
• Prepare credit summaries, present findings, and occasionally provide opinions on creditworthiness.
• Respond to requests for credit information from customers, loan officers, and external agencies.
• Maintain up-to-date credit files with current financial statements, reports, and documentation.
• Gather and compile relevant data and reports to support credit decisions.
• Ensure compliance with the Bank Secrecy Act (BSA) and all other bank policies and procedures.

Minimum Qualifications (Education, Experience, Skills)

• Minimum GPA of 3.00
• Enrolled in a business related major (i.e. accounting, finance, etc.)
• Must be able to work at least 20 hours per week

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. 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.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position.  Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities.  To perform this job successfully, the incumbents will posses the skills aptitudes and abilities to perform each duty proficiently.  Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others.  The requirements listed in this document are the minimum levels of knowledge, skills or abilities.