The Credit Analyst Intern spreads financial statements and prepares credit-related reports for presentation to loan officers. Responsibilities are primarily to assist and support Relationship Managers and Regional Vice President as they make and service all types of business, real estate, and individual loans and lines of credit, both secured and unsecured.

This internship will provide an opportunity to develop and sharpen analytical skills. The aim of this internship is to engage and prepare interns to develop a deeper understanding and obtain a good foundation of the Bank’s credit appetite.

Wage: $20 per hour

Location: Ontario, California

Hybrid Eligibility: No

Essential Duties:

Complies with aspects of the Bank Secrecy Act Compliance Program, specifically with lending related red flags; and assists independent, state and federal regulator auditor inquiries.

Maintains proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act, USA Patriot Act, and OFAC. Reports any information or knowledge of any events or transactions that could cause a reasonable person to suspect activities that should be reported to the BSA department for further analysis.

Reports any information or knowledge of any events or transactions that could cause a reasonable person to suspect activities that should be reported to the BSA department for further analysis. Responds to inquiries and provides explanations to differentiate suspicious activity from non-suspicious activity.

Spreads financial statements for in-depth analysis.

Prepares the basic outline for a record of loans.

Assists lending team with processing loan requests, credit reports, and ordering loan documents.

Assesses and manages credit risk.

Monitors and measures loan covenants.

Assists with summary reports such as PCRMs, Investor, Real Estate, Loan Review and other related reports for internal review and audit compliance.

Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations.

Completes administrative tasks correctly and on time and supports the Bank’s goals and values.

Performs the position safely, without endangering the health or safety of themselves or others and reports potentially unsafe conditions.

Maintains regular and reliable attendance.

Maintains confidentiality of customer account information.

Inspired by the philosophy that a Bank could be more than the sum of its siloed parts, our founders set out to build a new kind of Bank; one that worked as a singular entity, acting as a complete banker on behalf of its clients — in 1998 American Business Bank was born. Unlike their mega-corporate counterparts, our founders recognized that middle market companies were in need of bankers that could do more for their business, so ABB took action, fostering long-lasting relationships with businesses across the southland. Today, that genuine interest and passion remains the driving force of our success, and it’s how we continue to build a legacy that quietly influences the way premier Southern California businesses operate and grow for years to come. Never promise what you can’t deliver. These are the words we bank on. At American Business Bank, people are our greatest asset. We believe in building honest relationships — not client rosters — and we work relentlessly to protect our clients’ interests, while driving their businesses forward through strong balance sheets and stable practices. We want our approach to be as unique as our client’s objectives and that starts with trust. It’s how we earn our seat at the table and instill our clients with the confidence to seize the right opportunity or practice patience when needed. Face-to-face, side-by-side, we are there every step of the way. It’s why we built our bank and how we’ve always done business. Member FDIC

Credit Trainee (Intern)

Credit Trainee (Intern)

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