Intern - Credit Analyst, Real Estate Banking Group
Summer 2020 Paid Internship
Zions Bank has an opportunity for an intern to work in our Real Estate Banking Group. The intern will work on or be exposed to the following:
Analyze financial statements of borrowers and guarantors and underwrite key strengths and weaknesses.
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.
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.
Assist in completing annual file/loan reviews.
Various clean-up/data projects.
- Currently working on a Master’s or Bachelor'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.
Zions Bancorporation and its affiliates and divisions (“Zions”) is an equal opportunity employer which prohibits all forms of discrimination and harassment. Zions is committed to the principle of equal employment opportunity for all employees and employment candidates and to providing a work environment free of discrimination and harassment. All employment decisions at Zions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, ethnicity, sex, sexual orientation, gender identification, age, national origin, pregnancy, veteran status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Zions will not tolerate discrimination or harassment based on any of these characteristics. Zions encourages applicants of all ages.
It Zions’ policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, the 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 801/844-7628. 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.