Universal Banking Intern

As an intern, this person willlearn first-hand what careers in community banking involve and will engage in a rotation through core departmentsincluding Retail Banking and Consumer, Business, Ag, and Mortgage Lending.Throughout the rotation, this person will gain insight into a variety of business units including WealthManagement 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 productsand services.

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

• Learn the foundations of banking byparticipating 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 creditinformation 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 departmentmeetings and professional development opportunities andtrainings.

• Connect with and learn from department leaders and management.

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

• 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.