Intern-Credit Analyst, International Banking

Intern - Credit Analyst, International Banking

Summer 2024 Paid Internship

Mid May - Mid August

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

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

Zions Bancorporation has an opportunity for an intern to work in our International Banking department. The intern will work on or be exposed to the following:

•  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.
• Analyze individual tax returns and credit reports to calculate debt to income ratio and personal cash flow available to service debt.
• Do online research for specific 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.
• Assist in completing annual file/loan reviews.
• Various clean-up/data projects.

Qualifications:

• Currently working on a Bachelor's degree in Finance, Accounting, Business, or a related degree.
• 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. 
• Detail oriented with strong analytical, organizational, and problem-solving skills.
• Ability to make sound decisions and be inquisitive - not afraid to ask questions or make recommendations.
• Working knowledge of computer software programs including spreadsheets, word processing, etc. Strong excel skills.

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.