Intern - Credit Analyst

Summary

This full-time position is part of GCB's Summer Internship Program, which is scheduled to run from Monday, May 17th through Friday, July 23rd, potentially extending through mid-August based on the decision of the hiring manager and department. Additionally, interns must participate in a Final Internship Presentation located in New Orleans on Thursday, July 22nd. Candidates must be available for the full duration of the program to ensure a consistent and meaningful learning experience. 

The Credit Analyst Intern will perform a variety of duties to support the company in the determination of the customer’s credit worthiness. The intern will participate in analyzing current credit data and financial statements of individuals and/or firms to determine the degree of risk involved in extending credit or lending money. Additionally, the intern will prepare reports with this credit information for use in guiding the decision-making process. 

Responsibilities

• Ensures applications are accurate and complete.
• Credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Generate financial ratios using computer programs to evaluate customers’ financial status.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Complete credit analyses and summaries of loan requests and submit to the commercial lender.
• Perform other duties and special projects as needed.

Requirements 

Skills/Experience/Education

• Minimum preferred cumulative GPA of 3.0.
• Currently pursuing a Bachelor’s degree or Master’s degree.
• Business Majors preferred.
• Be a highly motivated self-starter who takes initiative.
• Demonstrates strong analytical and problem-solving skills.
• Possesses critical thinking, communication, and teamwork skills.
• Authorized to work in the U.S. on a permanent basis. Please note, Gulf Coast Bank & Trust will not provide any assistance or sign any documentation to support immigration sponsorship or benefit including but not limited to optional practical training (OPT) or curricular practical training (CPT).

Essential Mental & Physical Requirements

• Ability to travel if required to perform the essential job functions. 
• Ability to work under stress and meet deadlines.
• Ability to read and interpret a document if required to perform the essential job functions.
• Prolonged periods of sitting at a desk and working on a computer may be required.
• Ability to lift/move/carry approximately 15 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division any “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Gulf Coast Bank & Trust Company and its subsidiaries is committed to a diverse and inclusive workforce. We are committed to equal employment opportunities without regard to race, color, genetic information, religion, sex, affectional or sexual orientation, gender identity or expression, age, marital status, military and veteran status, physical and mental disability, and any other characteristic protected by applicable law. We believe in attracting, retaining, and promoting quality talent and recognize that our diversity is critical to the success of the company.