Commercial Lending / Business Development Intern

US Lawns; Northern (KY); Hybrid; USD 17,000 - 25,000; Part time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k)

Paid Vacation

Sick Time

Life Insurance

Long-term Disability Insurance

Job summary

D.L. Evans Bank offers a structured internship across retail banking operations, loan support, and processing functions to develop practical skills.

Interns learn regulatory requirements, customer service standards, financial analysis, and sales techniques while working with experienced staff. The program emphasizes hands-on training in deposits, lending support, and marketing activities to build customer relationships and drive growth in the assigned market.

Qualifications

• Bachelor’s Degree in Finance, Accounting or related field.
• Ability to travel and relocate within the State of Idaho.
• Excellent verbal and written communication and public relations skills.

Responsibilities

• Trains in deposits, withdrawals, loan payments, transfers, and cash handling; ensure accuracy and resolve discrepancies.
• Supports branch lending by verifying and compiling loan information and providing credit details as needed.
• Observes processing center functions such as bookkeeping, wires, ACH, and online banking to support operations.
• Develops knowledge in collections, credit analysis, and loan processing; assists with credit proposals and reviews.

Skills

Excellent verbal and written comms

Public relations skills

Teamwork

Professional appearance

Education

Bachelor’s Degree in Finance or related field

Tools

10-key

Business equipment

Job description

Job Description

POSITION PURPOSE

Participates in a structured internship across retail banking operations, branch and centralized lending support, processing, collections, credit analysis and review, and business development. Under the guidance of experienced personnel, learns and applies Bank procedures, regulatory requirements, customer service standards, loan processes, financial analysis, sales practices, and relationship-management techniques. Establishes development goals with assigned trainers and management, supports Bank personnel and customers, completes required reports and records, and represents the Bank professionally in business and community activities.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Develops the knowledge and skills to perform retail branch operations efficiently, accurately, and in accordance with established standards.

• Trains with experienced staff to process deposits, withdrawals, loan payments, account transfers, and cash advances; balances daily transactions and cash totals; verifies transaction accuracy; reviews deposit amounts and documents for proper endorsement and negotiability; and promptly identifies and resolves discrepancies (approximately one month).
• Explains Bank products and services, helps customers identify solutions for their financial needs, opens and closes accounts using complete and accurate customer information, rents safe deposit boxes, provides authorized vault access, and orders customer checks (approximately two months).
• Performs branch activities in accordance with Bank policies and legal and regulatory requirements; supports customer service and cross‑selling efforts; and assists the trainer with required and special operating reports, including accurate financial data required by government regulations (approximately two weeks).
• Responds to customer questions and resolves problems by listening, gathering relevant information, obtaining accurate answers, and communicating the outcome to the customer.

2. Develops the knowledge and skills to perform branch lending support functions efficiently and accurately.

• Trains with experienced staff to support branch lending by verifying, compiling, and entering loan information; providing approved credit information or ratings to customers involved in loan transactions; and copying correspondence, tax records, financial statements, and other loan‑file documents when requested and authorized by branch personnel (approximately six weeks).

3. Develops an understanding of processing center functions and how they support Bank operations.

• Observes bookkeeping, wire transfers, ACH, online banking, credit and debit card services, merchant services, and cash‑management activities within the processing department (approximately two days).

4. Develops practical knowledge of collections, lending operations, credit analysis, and credit review functions.

• Trains with Special Assets personnel, assists with collecting delinquent accounts, and reviews charge‑offs, bankruptcies, and nonaccrual loans (approximately eight weeks).
• Accompanies the agricultural field representative during various agricultural inspections (approximately two days).
• Trains in Loan Central and observes or assists with loan preparation, loan‑file detailing, loan booking in the Bank’s internal system, paid‑note processing, and loan maintenance and modifications (approximately two weeks).
• Trains with a credit analyst and assists with analyzing financial statements, cash flow, and pricing; completing background information for credit approval packages; and preparing presentation materials for new or expanded credit proposals (approximately twelve weeks).
• Trains with the credit review officer, observes lending audits, and assists in reviewing loan documents and records for potential fraud, control or performance deficiencies, excessive expenditures, and noncompliance with established policies (approximately four weeks).

5. Plans and carries out marketing and sales activities that support growth and Profitability in the assigned market area.

• Conducts individual and joint business‑development calls, solicits prospective customers, and works with branch staff, loan officers, personal bankers, and branch managers to expand the Bank’s customer base.
• Meets with customers and prospects to assess their banking needs and discuss appropriate Bank products and services.
• Develops tailored proposals based on customer needs, current financial structure, and a thorough understanding of bank's products.
• Records calls and follow‑up activity for prospective and existing customers in 360 View to track progress.
• Develops and implements marketing plans to increase fee income and deposit revenue; prepares an annual formal marketing plan, researches prospective customer lists, and tracks and reports marketing progress as needed but at least quarterly.
• Works toward assigned sales volume, profitability, activity, sales‑call, and new‑client relationship goals.
• Builds internal and external referral sources through Bank events, community activities, seminars, and professional groups, including CPAs and attorneys.

6. Builds and maintains effective, professional relationships with customers.

• Answers telephone calls, addresses customer questions and concerns, routes calls to the appropriate person or department, and records and relays messages accurately.
• Resolves customer requests and questions promptly, courteously, and professionally.
• Reviews policy manuals to understand banking regulations and follows D.L. Evans Bank policies and procedures, including compliance policies and procedures.
• Keeps customers informed about relevant Bank services and policies.
• Upholds the Bank’s professional reputation in every customer interaction.
• Develops and maintains positive customer relationships.

7. Maintains effective coordination and working relationships with area personnel and management.

• Supports area personnel as needed.
• Keeps the mentor, trainer, and Human Resources informed of area activities and significant issues.
• Completes required reports and records accurately and on time.

8. Performs related responsibilities as required or assigned.

• Promotes D.L. Evans Bank by professionally presenting and cross‑selling appropriate Bank products and services.
• Participates in the local community as a representative of D.L. Evans Bank.
• Maintains the professional reputation of D.L. Evans Bank.
• Keeps the work area clean, secure, and well maintained.
• Attends required meetings.
• Performs related clerical duties as needed.
• Fulfills the position’s assigned security responsibilities.

PERFORMANCE MEASUREMENTS

1. Completes each scheduled training rotation and demonstrates the ability to perform or explain the assigned retail, lending, processing, collections, credit, and business‑development functions within established training timeframes.
2. Processes branch transactions, balances cash and daily activity, reviews documentation, and resolves discrepancies accurately and in accordance with Bank controls.
3. Opens and service accounts, explains appropriate products and services, and addresses customer questions accurately, courteously, and within established service standards.
4. Completes assigned branch and centralized lending support tasks accurately, including compiling loan information, maintaining documentation, booking or servicing loans, and processing paid notes.
5. Completes assigned collections, financial analysis, credit‑package, and credit‑review work accurately, identifies material issues, and follows established escalation and approval requirements.
6. Performs all assigned activities in compliance with Bank policies, security procedures, and applicable legal and regulatory requirements, with no unresolved material exceptions.
7. Meets established business‑development activity and performance goals, maintains complete and timely customer‑call records in 360 View, and tracks marketing progress at least quarterly.
8. Develops appropriate proposals and referral relationships that support assigned customer, deposit, fee‑income, sales, and profitability objectives.
9. Completes required reports, records, messages, and follow‑up activities accurately and on time, and keeps trainers, management, and Human Resources informed of significant issues.
10. Demonstrates professional communication, teamwork, community representation, and stewardship of Bank facilities and security responsibilities while meeting agreed development goals.

QUALIFICATIONS

Basic Qualifications:

Internal Candidates: Bachelor’s Degree or two years of banking experience, completion of all requirements for internal applicants contained in the Management Intern Application Packet and the ability to travel and relocate within the State of Idaho.

External Candidates: Bachelor’s Degree in Finance, Accounting or related field and completion of the Management Intern application packet as well as the ability to travel and relocate within the State of Idaho.

PREFERRED QUALIFICATIONS:

Good understanding of financial services and products offered by D.L. Evans Bank. Understanding of branch operations policies and procedures.

Skills/abilities: Excellent verbal and written communication and public relations skills.

Ability to get along well with others

Ability to work in a high‑stress environment

Professional appearance and attitude.

Ability to operate related computer applications and business equipment, including 10-key and business equipment including 10 key and a telephone. Solid math and bookkeeping abilities.

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service.

D.L. Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. EOE/AA/Vets/IWD.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance