Ag Credit Analyst Intern

As an Ag Credit Analyst Intern, you will assist the Ag Credit Team with day-to-day analysis, risk mitigation, and the management of lending relationships. You'll gain hands-on experience analyzing financial statements, monitoring loan performance, and evaluating overall relationship quality.

This opportunity is ideal for a student seeking to gain professional experience while continuing their education. The selected student will apply classroom learning, strengthen analytical and professional skills, and gain valuable exposure to the banking industry.

The position is expected to work approximately 20-25 hours per week, with a schedule established around the student's class commitments, and is anticipated to run from November 2026 through April 2027.

In addition, our FIRST Values apply to all teammates without exception.

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area.

The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

• Analyze diverse credit information for loans; analyze credit history of customers and prospects; prepare of credit analyses for presentation to loan officers and Loan Committee.
• Perform analysis techniques including cash flow analysis, financial projections, stress testing, and peer company analysis.
• Develop an understanding of the Bank’s loan policies and guidelines, analysis processes, and credit culture. Identify the impact and value that Ag Credit has on banking relationships.
• Document lending activities, including appropriate credit analysis, to meet structural objectives and legal requirements. Provide adequate file support for third party review including Bank management, credit review, Bank examiners, and outside auditors.
• Proactively manage and structure account relationships to maintain asset quality at acceptable levels, with defined strategic plans for distressed relationships.

Take an active role in your professional development while gaining experience in a professional banking environment.

• Establish learning and development goals…