Credit Intern

Community Financial System, Inc.•City of Rochester, NY

3h•$16 - $20

About The Position

At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. The Commercial Credit intern will join our dynamic Commercial Credit team and play a vital role in supporting the department's daily operations. This entry-level position will provide valuable hands-on experience in credit analysis, financial statement review, and risk assessment and an opportunity to gain in-depth knowledge of Commercial Banking functions. This internship is designed to provide a well-rounded and immersive experience allowing you to develop a comprehensive understanding of Commercial Banking practices and contribute to the success of our Commercial Credit team. As a Commercial Credit intern, you will be involved in various aspects of Commercial Banking including:

Requirements

Currently enrolled as a college student pursuing a bachelor’s degree in Finance, Accounting, Business Administration, or a related field. All applicants must be 18 years of age or older.
A genuine interest in pursuing a career in Banking, demonstrated through coursework, previous internship experience, or relevant banking or accounting related activities.
Strong written and verbal communication skills, with the ability to communicate professionally and tactfully with employees at all levels of the organization.
Demonstrated ability to handle confidential information with discretion and maintain high ethical standards.
Proficient analytical and organizational skills
PC proficiency especially in Microsoft Word and Excel.

Responsibilities

Assist the Credit Department with spreading and analyzing financial statements (income statements, balance sheets, cash flow statements) of commercial clients.
Support the preparation of credit memos and risk assessments for non-MIRE annual reviews.
Conduct industry and market research to support credit decisions.
Help evaluate borrower creditworthiness and repayment capacity.
Participate in Commercial Credit department meetings as appropriate.
Collaborate with team members on special projects and reporting tasks as needed.