Commercial Lending​/Business Development Intern

Participates in a structured internship across retail banking operations, branch and centralized lending support, processing, collections, credit analysis and review, and business development. Under the guidance of experienced personnel, learns and applies Bank procedures, regulatory requirements, customer service standards, loan processes, financial analysis, sales practices, and relationship-management techniques. Establishes development goals with assigned trainers and management, supports Bank personnel and customers, completes required reports and records, and represents the Bank professionally in business and community activities.

• Trains with experienced staff to process deposits, withdrawals, loan payments, account transfers, and cash advances; balances daily transactions and cash totals; verifies transaction accuracy; reviews deposit amounts and documents for proper endorsement and negotiability; and promptly identifies and resolves discrepancies (approximately one month).
• Explains Bank products and services, helps customers identify solutions for their financial needs, opens and closes accounts using complete and accurate customer information, rents safe deposit boxes, provides authorized vault access, and orders customer checks (approximately two months).
• Performs branch activities in accordance with Bank policies and legal and regulatory requirements; supports customer service and cross‑selling efforts; and assists the trainer with required and special operating reports, including accurate financial data required by government regulations (approximately two weeks).
• Responds to customer questions and resolves problems by listening, gathering relevant information, obtaining accurate answers, and communicating the outcome to the customer.

• Trains with experienced staff to support branch lending by verifying, compiling, and entering loan information; providing approved credit information or ratings to customers involved in loan transactions; and copying correspondence, tax records, financial statements, and other loan‑file documents when requested and authorized by branch personnel (approximately six weeks).

• Observes bookkeeping, wire transfers, ACH, online banking, credit and debit card services, merchant services, and cash‑management activities within the processing department (approximately two days).

• Trains with Special Assets personnel, assists with collecting delinquent accounts, and reviews charge‑offs, bankruptcies, and non-accrual loans (approximately eight weeks).
• Accompanies the agricultural field representative during various agricultural inspections (approximately two days).
• Trains in Loan Central and observes or assists with loan preparation, loan‑file detailing, loan booking in the Bank’s internal system, paid‑note processing, and loan maintenance and modifications (approximately two weeks).
• Trains with a credit analyst and assists with analyzing financial statements, cash flow, and pricing; completing background information for credit approval packages; and preparing presentation materials for new or expanded credit proposals (approximately twelve weeks).
• Trains with the credit review officer, observes lending audits, and assists in reviewing loan…