Ag Credit Analyst Intern

The First National Bank in Sioux Falls; Sioux Falls (SD); On-site; USD 2,066,000 - 2,480,000; Part time

Job summary

The First National Bank in Sioux Falls is seeking an Ag Credit Analyst Intern to support the Ag Credit Team with day-to-day analysis, risk mitigation, and lending relationships while you continue your studies. The role is part-time, about 20-25 hours per week, running from November 2026 through April 2027.

You will gain hands-on experience in financial statement analysis, cash flow review, and credit underwriting.

Qualifications

• Currently enrolled in or pursuing higher education in finance, accounting, agricultural business, economics, business, or a related field preferred.
• Interest in developing analytical and professional skills while gaining experience in banking, lending, and credit analysis.

Responsibilities

• Analyze diverse credit information for loans and prepare credit analyses for presentation to loan officers and Loan Committee.
• Perform cash flow analysis, financial projections, stress testing, and peer company analysis.
• Document lending activities to meet legal requirements and provide file support for audits and reviews.
• Proactively manage and structure account relationships to maintain asset quality with defined plans for distressed relationships.

Skills

Independent work

Team player

Problem solving

Communication skills

Organizational skills

Willingness to learn

Education

Finance/Accounting/Economics

Student pursuing related field

Tools

None

Job description

As an Ag Credit Analyst Intern, you will assist the Ag Credit Team with day-to-day analysis, risk mitigation, and the management of lending relationships. You'll gain hands-on experience analyzing financial statements, monitoring loan performance, and evaluating overall relationship quality.

This opportunity is ideal for a student seeking to gain professional experience while continuing their education. The selected student will apply classroom learning, strengthen analytical and professional skills, and gain valuable exposure to the banking industry.

The position is expected to work approximately 20-25 hours per week, with a schedule established around the student's class commitments, and is anticipated to run from November 2026 through April 2027.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who We Are

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

Accountabilities

What will you do:

Spreading Financials and Underwriting

• Analyze diverse credit information for loans; analyze credit history of customers and prospects; prepare of credit analyses for presentation to loan officers and Loan Committee.
• Perform analysis techniques including cash flow analysis, financial projections, stress testing, and peer company analysis.
• Develop an understanding of the Bank’s loan policies and guidelines, analysis processes, and credit culture. Identify the impact and value that Ag Credit has on banking relationships.
• Document lending activities, including appropriate credit analysis, to meet structural objectives and legal requirements. Provide adequate file support for third party review including Bank management, credit review, Bank examiners, and outside auditors.
• Proactively manage and structure account relationships to maintain asset quality at acceptable levels, with defined strategic plans for distressed relationships.

Professional Development

Take an active role in your professional development while gaining experience in a professional banking environment.

• Establish learning and development goals with your supervisor based on your interests and the responsibilities of the position.
• Build analytical, communication, problem-solving, and professional skills through hands-on experience.
• Develop an understanding of agricultural lending, credit analysis, risk assessment, and relationship management practices.
• Gain a broader understanding of how the Ag Credit Team supports the Bank and its customers.

Qualifications

• Currently enrolled in or pursuing higher education in finance, accounting, agricultural business, economics, business, or a related field preferred.
• Interest in developing analytical and professional skills while gaining experience in banking, lending, and credit analysis.

Skills And Abilities

• Ability to work independently with appropriate guidance and as part of a team.
• Goal-oriented, dependable, and self-motivated.
• Strong problem-solving and solution-oriented skills.
• Excellent verbal and written communication skills.
• Strong organizational skills and attention to detail.
• Willingness to learn, ask questions, and take on new responsibilities.

What’s in it for you?

In this role at The First National Bank in Sioux Falls, you'll gain meaningful, hands-on experience while continuing your education. You'll have the opportunity to apply what you're learning in the classroom, build professional skills, and gain exposure to careers in the banking industry.

You’ll contribute to real work, collaborate with experienced teammates, and support meaningful projects and responsibilities within the Ag Credit Team. Along the way, you'll have opportunities to grow professionally, build connections, strengthen your resume, and gain valuable experience with the longest-operating community bank in the area.