Commercial Banking and Credit Development Program
1 week ago
Fifth Third Bank, N.A. is proud to offer a comprehensive Commercial and Credit Internship Program, designed to provide college students with hands-on experience in the commercial banking industry.
Program Overview
- This 10-week program is a paid professional development opportunity that allows participants to gain a deeper understanding of Fifth Third Bank's business practices, operations, and procedures.
- Participants will have the opportunity to work on real-world projects, receive feedback and evaluation, and develop critical skills in analyzing client financial statements, assessing risk, financial modeling, and underwriting.
- The program is designed to provide participants with a comprehensive understanding of the commercial banking industry, including credit and sales rotations, and exposure to executive leadership.
Key Responsibilities
- Gain an understanding of the underwriting process with oversight
- Assess credit risk using financial statement, cash flow, industry, collateral, guarantor, and loan structure analyses
- Update financial covenants as needed
- Run Probability of Default (PD) model with oversight
- Partner with portfolio managers to support the daily underwriting and credit monitoring duties while performing analytical tasks as needed
- Understand and evaluate completed spreads to determine necessary edits
- Identify and recommend preliminary portfolio management actions using credit service reporting and RADAR with oversight
- Create client presentation materials using PowerPoint, Excel, Word
- Use Dealpoint Profitability Analyzer to assess the client relationship and determine RAROC value
- Assist in identifying and qualifying prospects with relationship manager
- Partner with relationship managers to perform projects or analytical tasks as needed
- Draft initial deal screen / opportunity memos
- Build an extensive network of contacts within commercial and supporting divisions
- Attend formal training classes, complete assigned eLearning courses, and participate in extensive self-learning
Requirements
- Currently enrolled in a college or university pursuing a Business degree (accounting, economics, finance concentrations preferred)
- A minimum cumulative GPA of 3.0
- Basic Excel proficiency (data entry, formatting, charts, basic formulas, Vlookup)
- Campus involvement/leadership experience
- Relevant internship/co-op experience
- Ability to complete both guided and self-directed learning activities
- Financial and industry acumen
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Charlotte, North Carolina, United States Fifth Third Bank, N.A. Full timeAbout the ProgramFifth Third Bank, N.A. is committed to fostering a culture of excellence and innovation in the financial services industry. Our Commercial and Credit Internship Program is designed to provide college students with a comprehensive and hands-on learning experience in the field of commercial banking and credit analysis.Program OverviewGain a...
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