Commercial Banking Trainee

Job Description

Job Description

START DATE SEPTEMBER 2026 - FULL TIME

OVERVIEW:
Bristol County Savings Bank’s Commercial Banking Trainee Program is designed to provide candidates an opportunity to build a successful commercial banking career. The program consists of an eighteen-month intensive curriculum engineered to introduce all aspects of Commercial Banking. Participants will build a foundation through classroom instruction, on-the-job training, external training, and mentorship opportunities. Upon completion of the program each participant will have a dynamic understanding of the end-to-end Commercial Banking process with a strong foundation in commercial credit fundamentals including financial statement analysis, underwriting and loan structuring as well as legal documentation, portfolio management and relationship building.

PRIMARY ACCOUNTABILITIES / RESPONSIBILITIES:
Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and the community in which it serves.

• Assess risk by identifying strengths and weaknesses utilizing financial statements, tax returns, annual reports, credit bureaus and other relevant information made available by market research and/or the respective account officer.
• Spread and analyze financial statements and provide trend analysis.
• Effectively and accurately complete a credit approval document for various non-complex credit facilities, including renewals, modifications, reviews, new money, etc.
• Assists in researching and responding to internal and external requests for information regarding commercial loan customers within the Bank’s policies and practices regarding authorized use of credit information.
• Participates in external training opportunities.
• Monitors compliance with Bank policy and with various banking laws and regulations.
• Supports all areas of Commercial Banking by assisting with projects in accordance with bank policies and procedures.

OTHER ACCOUNTABILITIES / RESPONSIBILITIES:
Performs related and unrelated responsibilities as may be required.

POSITION REQUIREMENTS:
• Bachelor’s Degree required, preferably in the fields of Business Administration, Finance, Economics or Accounting
• A minimum 3.0 GPA required; 3.3 GPA preferred
• Professional reference letter (letter should be from a previous supervisor or professor who can attest to professional skills, experience and character)
• Strong critical thinking ability and analytic skills
• Excellent organization and time management abilities
• Ability to work independently and collaborate with others
• Excellent verbal and written communication skills
• Proficiency in technologies such as Microsoft Windows-based Software is required
• Experience with a Loan Origination System (LOS) and Financial Spreading Software is preferable but not required
• Must be aware of bank’s policies and practices regarding authorized use of credit information

SUPERVISORY SCOPE:
None

INDEPENDENT ACTION:
Performs work independently within scope of established guidelines and practices. Consults with manager where clarification or exception to Bank policy may be required.

WORKING CONDITIONS:
• May sit for long periods of time.
• May be required to bend, stretch overhead, and lift weight up to 15 pounds.
• Significant computer use.

QUALIFICATIONS:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.