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Agricultural Credit Analyst Intern

Location Manitowoc, WI
Update 7 Day ago


The Credit Analyst Intern will work with the Ag-focused credit delivery team which includes Loan Officers ("LOs"), Portfolio Managers ("PMs") or Credit Analyst II ("CA II") and Client Service Specialists ("CSS"). The Intern will assist with gathering and analyzing routine credit information on current and potential borrowers; assists PM or CA II on new money requests. The Credit Analyst Intern will be exposed to commonly used credit concepts, practices, and procedures and gain a general understanding of credit and Ag-lending processes. The Credit Analyst Intern will follow instructions and pre-established guidelines to perform the functions of the job. Works under general supervision. Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. This is a paid internship; however students must arrange their own housing and transportation.


Assists in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns.

Assists with periodic review of customer loan files.

Becomes familiar with the bank’s loan policy, procedures and underwriting guidelines.

Develops knowledge of agricultural economy, market commodity conditions, rates, vendors and competition.

May participate in weekly team meetings and management loan committee meetings.

Assists in coordinating and processing of approved loans; ensures loans are processed according to loan approval, customer needs and conform to Bank lending policies.

Accompanies loan officers and/or portfolio managers on client farm site visits.

Gains a general understanding of loan documentation including notes, guarantees, mortgages and security agreements.

Works on projects assigned by the Chief Credit Officer.

Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.

Operates computer terminal or personal computer to obtain and process data.

Answers telephones, answers questions and directs callers to proper Bank personnel.


This position performs duties specific to the position and all other duties as assigned.


This position is not responsible for the supervision of any employees.


The environment for this position is an open office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), typewriter, computer terminal, personal computer and related printers.


The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.


These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Student pursuing a Bachlor’s degree from a college or university taking courses focused on Agribusiness, Accounting, Financial Analysis, or Lending.

Life experience and knowledge of agriculture and agricultural operations.

Seeking basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.

Seeking Basic knowledge of commercial, agricultural, construction, real estate and consumer loan processing.

Seeking Basic knowledge of related state and federal loan regulations and other Bank lending policies.

Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.

Basic keyboarding skills and computer skills; skills word processing and spreadsheet software.

Basic math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.

Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.

Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.

Excellent organizational and time management skills.

Ability to work with minimal supervision while performing duties.

Current Wisconsin driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Uphold the bank’s philosophy and policies by maintaining appropriate controls to assure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of the bank.

The incumbent must be able to perform this position safely, without endangering the health or safety to himself or herself or others.

Management reserves the right to change this position description at any time according to business needs. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability status, or veteran status. Investors Community Bank is an Affirmative Action / Equal Employment Opportunity Employer.


Job Type: Internship