Credit Intern

Overview

At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.

As an equal‑opportunity workplace and affirmative‑action employer, we celebrate and support a diverse workplace for the benefit of all: employees, customers, and communities.

The Commercial Credit intern will join our dynamic Commercial Credit team and play a vital role in supporting the department's daily operations. This entry‑level position will provide hands‑on experience in credit analysis, financial statement review, and risk assessment and an opportunity to gain in‑depth knowledge of Commercial Banking functions.

• Assist the Credit Department with spreading and analyzing financial statements (income statements, balance sheets, cash flow statements) of commercial clients.
• Support the preparation of credit memos and risk assessments for non‑MIRE annual reviews.
• Conduct industry and market research to support credit decisions.
• Help evaluate borrower creditworthiness and repayment capacity.
• Participate in Commercial Credit department meetings as appropriate.
• Collaborate with team members on special projects and reporting tasks as needed.

• Currently enrolled as a college student pursuing a bachelor's degree in Finance, Accounting, Business Administration, or a related field. All applicants must be 18 years of age or older.
• A genuine interest in pursuing a career in banking, demonstrated through coursework, previous internship experience, or relevant banking or accounting activities.
• Strong written and verbal communication skills, with the ability to communicate professionally and tactfully with employees at all levels of the organization.
• Demonstrated ability to handle confidential information with discretion and maintain high ethical standards.
• Proficient analytical and organizational skills.
• PC proficiency, especially in Microsoft Word and Excel.

• Hours:
  
  40 hours a week.
• Compensation: commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be eligible for sick and safe leave and 401(k) participation.
• Duration: 8-10 weeks during the summer.
• Physical Requirements:
  
  The physical demands described here are representative of those that must be met by an employee to perform the essential functions of this position. Qualified applicants who possess a disability may be considered if they can meet the essential requirements with reasonable accommodation.