Intern- Credit Analyst, Commercial Banking
2024 Paid Summer Internship
May thru mid-August

Zions Bank recognizes that its strength comes from the dedication, experience, and talents of its diverse employee base. As we usher in the next generation of banking, we're committed to being the premier employer of choice. We're proud to have ranked among American Banker magazine's "Best Banks to Work For" every year since 2013, as Best Employer from Utah's Best of State and among the Best Places to Work in Idaho. Make the leap into a new era of banking. Let us transform your career.

Zions Bank has an opportunity for an intern to work in our Commercial Banking Group. The intern will work on or be exposed to the following:

* Analyze financial statements of borrowers and guarantors and participate in underwriting key strengths and weaknesses.

* Analyze individual tax returns and credit reports to calculate debt to income ratio and personal cash flow available to service debt.

* Analyze borrower financial statement ratios and compare to the industry averages and generate a summary of questions/issues to discuss as part of loan underwriting.

* Perform research on individual owners and businesses and provide a summary of any findings.

* Review industry research reports to provide a summary of the specific industry for commercial and industrial loans.

* Author Credit Presentations with Mentor.

* Present Pre-Flight / Credit Presentation to State Credit Administrator.

* Assist in completing covenant testing and annual loan reviews.

* Participate in sales calls with Relationship Manager.

* Attend a Problem Loan Meeting.

Qualifications:

* Currently working on a Master's or Bachelor's degree with strong emphasis in finance, accounting, business or related coursework.

* Basic working knowledge or interest of financial and spread analysis, credit, lending and underwriting processes and principles.

* Knowledge or interest in working with various types of loans, credit risk, legal and regulatory requirements.

* Requires strong interpersonal and customer service skills.

* Good communication skills, both verbal and written, is essential.

* Detail oriented with strong analytical, organizational, and problem-solving skills

* Ability to make sound decisions and be inquisitive. Is not afraid to ask questions or make recommendations.

* Working knowledge of computer software programs including Excel, Word, Power Point, etc.

This internship is not eligible for relocation assistance. Local candidates preferred.

Zions Bancorporation's Internship and Banker Development Program positions are not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility.