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Commercial Credit Intern
(This job is no longer available)
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Job Description

At Peoples, it's about our customers, employees and shareholders. Peoples is a community bank that consistently delivers a high level of service. We pride ourselves in having the agility needed to be flexible for our customers, and the technology that makes us one of the leading community banks in central and northern Wisconsin. We have knowledgeable bankers that make decisions locally, and together with our customer service staff, we are a team that works together for a common goal. Together, we are all responsible for a culture of engagement. This is your opportunity to be a part of the Peoples team. Come join the best bank by applying today!

Job Summary:

Becomes familiar with bank culture and all operations and procedures of the commercial credit department. Assists credit analysts with analyzing and evaluating all types of commercial credit information pertaining to diverse types of loans. Provides support for analysts as they review credit relationships to ensure that acceptable credit standards are maintained and that loans conform to established loan policy.

Primary Duties and Responsibilities:

Credit Investigation and Analysis

* Assists with in-depth credit investigation, evaluation and analysis of credit worthiness of commercial, real estate and SBA loan customers.
* Investigates credit history of customers by ordering credit reports for analysts as they underwrite commercial relationships.
* Prepares financial spreads.

Establish and Maintain Credit Files

* Ensures that customer credit information, such as financial statements, tax information, credit history, etc. are up to date.
* Ensures that follow-up customer information is obtained in a timely manner.
* Ensures financial statements are current and in accordance with loan agreements.

Follows Existing Credit Line Relationships to Ensure Compliance with Loan Conditions.

* Reviews maturing loan report and coordinates with the Lead Credit Analyst in the notification of the Relationship Manager for credit renewals.
* Prepares and sends out renewal notification letters to customers, signed by Loan Officers requesting updated credit information and financial statements, as necessary.

Performs Other Duties, as Assigned.

* Works with and coordinates with other credit analysts in Credit Administration Department on special projects, assigned by Lead Credit Analyst.

Confidentiality is required in all phases of employment.

Knowledge, Education and Experience:

* Pursuing a Bachelor's degree in a Business Administration with an emphasis in finance, accounting, economics or real estate field required.
* Good verbal communication skills as evidenced by the ability to interact both face-to-face and over the telephone with credit analysts, loan officers, and vendors. Demonstrated ability to use tact, diplomacy, and a "professional" personal appearance, when dealing with examiners, consultants, auditors, customers and co-workers.
* Ability to manage multiple tasks simultaneously and meet deadlines.
* Analytical, organizational, and problem-solving ability. High attention to detail and proof reading and editing skills.
* Good written communication skills. Working knowledge of various word processing and spreadsheet software.

We are an Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities.


Peoples State Bank was chartered on January 18, 1929, by the Texas Banking Commission.  The bank purchased the building and all the assets of the insolvent First State Bank.   The first location was on the west side of the town-square.  The first Board of Directors consisted of: Dr. C. T. Dufner, W. D. Timm, M. I. Bozka, H. J. Schornack and Joseph Kopecky.  The first bank president was Dr. C. T. Dufner.  He served as president until his death on November 15, 1957.  

 M. I. Bozka assumed the responsibilities of president in January 1958.  During this time the bank continued to serve the people of the community.  

James Bozka took over as president in July 1967.  The bank continued to grow and prosper.  In June 1971, the bank purchased property on the south side of the courthouse square with the intention of building a larger building and addressing the needs for a drive up facility and increased customer parking.  In 1974, the bank opened the doors to its current location.   

 In January 1992, Roman J. Shimek was appointed president and served for the next four years.  During this period, we expanded our current location.  This allowed for more office and storage area.   

 Stanley D. Bujnoch, Jr. was appointed president in January 1997.  Although the look of our facility has not changed, the internal structure of the bank has changed.  We have moved into the technology era. Some of the products that we have incorporated are debit cards, imaged statements, internet banking, bill pay and telephone banking.  

The bank continues to use all technology available to better serve our customers while still maintaining the personal one on one service that our customers have come to expect.   Peoples State Bank has seen tremendous growth throughout the years and strives to maintain that growth.  We want to remain A REAL COMMUNITY BANK.