Intern- Credit Analyst, Commercial Banking
Intern- Credit Analyst, Commercial Banking
2025 Paid Summer Internship
May thru mid-August
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.
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 Bachelor’s or Master’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 position will be open until filled.
To review our Benefits Summary click here.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view our EEO Statement.
Click here to view applicable Federal, State and/or local employment law posters.
Click here to view our Pay Transparency Notice.