Universal Banking Intern

As an intern, this person will learn first-hand what careers in community banking involve and will engage in a rotation through core departments including Retail Banking and Consumer, Business, Ag, and Mortgage Lending. Throughout the rotation, this person will gain insight into a variety of business units including Wealth Management as well as experience what happens “behind the scenes” in Credit Review and Operations. 

Qualifications: This person should have a minimum of one year of business-related classes in a higher learning setting or the equivalent.  Excellent communication and customer service skills are essential. This role requires on-site employment. 

Principal Responsibilities:  

• Work closely with industry experts to identify and differentiate various banking products and services. 

• Observe and participate in the customer experience including identifying needs, recommending products that fit, and maintaining customer relationships. 

• Learn the foundations of banking by participating in general Retail functions including processing customer transactions, cash handling, and cash drawer balancing. 

• Shadow the lending process from start to finish and develop overall loan file knowledge. 

- Observe meetings with loan customers 

- List and describe various loan types and products 

- Compile and prepare proper underwriting information 

- Introduction to credit worthiness and cash flow by analyzing credit information and referring to policy & guidelines 

- View loan processing, servicing and closing 

- Witness Departmental collaboration 

• Introduction to Wealth Management Services including financial planning, trusts, retirement plan services, investment management and estate planning & administration. 

• Utilize banking systems and observe how they integrate into business processes. 

• Develop and apply a working knowledge of banking regulations and processes. 

• Maintain confidentiality, integrity and honesty, especially in dealing with customer information. 

• Gain skills related to professionalism, financial analysis, decision-making, customer service and communication. 

• Uphold professional standards when working with customers through various channels. 

• Attend and participate in committee and department meetings and professional development opportunities and trainings. 

• Connect with and learn from department leaders and management. 

• Prepare a presentation at the close of the internship to be presented to key stakeholders. 

• Act in accordance with FBT policies and procedures as set forth in the employee handbook. 

• Adhere to compliance procedures and participate in required compliance training.