Commercial Banking Intern

Summary

The Commercial Banking Intern will assist in spreading, analyzing, and reviewing loan data to prepare management and regulatory reports. Engaging with the credit and lending team while providing suggestions and/or solutions to potential issues. Support in communication of identified issues with business process owners to ensure any potential concerns are addressed in a timely and effective manner.

Major Learning Opportunities and Responsibilities (Essential Functions)

• Spreading and analyzing financial documentation required for a credit package
• Monitoring and clearing loan specific covenants and/or exceptions
• Developing and preparing credit packages and/or renewals for review by subject approval authorities
• Develop and prepare a mock senior loan committee credit package for review and approval by mock credit committee members
• Attend local credit committees and senior loan committee on a weekly basis
• Calculates financial ratios and other key indicators used to monitor the loan portfolio
• Assists in preparation of reports for monthly and quarterly review by the Bank's Board of Directors and Management
• Perform market and demographic research in relation to the credit risk intern(s) subject loan portfolio
• Assists in preparation of supplemental reports for auditors, loan review, and regulatory agencies as requested

Employee Specifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

• Incoming Senior (Graduation in 2026)
• Pursuing a bachelor's degree in Accounting, Agribusiness, Economics, Finance, or related business field.

This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

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If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.