Universal Banking Intern

Fishback Financial Corporation; San Francisco (CA); On-site; USD 25,000 - 30,000; Full time

Job summary

First Bank & Trust is offering an internship designed to expose you to community banking through rotations in Retail Banking, Consumer, Business, Ag, Mortgage Lending and Wealth Management. You will work with experienced professionals, observe loan processes, and participate in customer transactions while developing a foundation in banking regulations and policies.

The program concludes with a presentation to key stakeholders and on-site training and compliance activities.

Qualifications

• Minimum of one year of business‑related classes in a higher learning setting or the equivalent.
• Excellent communication and customer service skills are essential.

Responsibilities

• Rotate through Retail Banking, Consumer, Business, Ag and Mortgage Lending to learn core banking functions.
• Observe and participate in the customer experience, identify needs, and recommend products.
• Assist in processing customer transactions, cash handling, and cash drawer balancing.
• Shadow loan processing from start to finish and develop loan file knowledge.
• Prepare underwriting information and learn credit worthiness and policy guidelines.
• View loan processing, servicing, and closing processes.
• Attend meetings with loan customers and participate in department projects.
• Gain exposure to Wealth Management services and banking regulations.
• Develop professionalism, financial analysis, decision-making and confidentiality.

Skills

Communication skills

Customer service

Business coursework

Education

One year of business-related coursework

Job description

Job Description: As an intern, this person will learn first‑hand what careers in community banking involve and will engage in a rotation through core departments including Retail Banking and Consumer, Business, Ag, and Mortgage Lending. Throughout the rotation, this person will gain insight into a variety of business units including Wealth Management as well as experience what happens “behind the scenes” in Credit Review and Operations.

Qualifications:

• This person should have a minimum of one year of business‑related classes in a higher learning setting or the equivalent.
• Excellent communication and customer service skills are essential.

This role requires on‑site employment.

Principal Responsibilities:

• Work closely with industry experts to identify and differentiate various banking products and services.
• Observe and participate in the customer experience including identifying needs, recommending products that fit, and maintaining customer relationships.
• Learn the foundations of banking by participating in general Retail functions including processing customer transactions, cash handling, and cash drawer balancing.
• Shadow the lending process from start to finish and develop overall loan file knowledge.
• Observe meetings with loan customers.
• List and describe various loan types and products.
• Compile and prepare proper underwriting information.
• Introduction to credit worthiness and cash flow by analyzing credit information and referring to policy & guidelines.
• View loan processing, servicing, and closing.
• Witness Departmental collaboration.
• Introduction to Wealth Management Services including financial planning, trusts, retirement plan services, investment management, and estate planning & administration.
• Utilize banking systems and observe how they integrate into business processes.
• Develop and apply a working knowledge of banking regulations and processes.
• Maintain confidentiality, integrity and honesty, especially in dealing with customer information.
• Gain skills related to professionalism, financial analysis, decision‑making, customer service and communication.
• Uphold professional standards when working with customers through various channels.
• Attend and participate in committee and department meetings and professional development opportunities and trainings.
• Connect with and learn from department leaders and management.
• Prepare a presentation at the close of the internship to be presented to key stakeholders.
• Act in accordance with FBT policies and procedures as set forth in the employee handbook.
• Adhere to compliance procedures and participate in required compliance training.

Compensation Grade Hourly Grade 3

First Bank & Trust is an Equal Opportunity, affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement.

Our Benefits:

• Comprehensive Healthcare Benefits: Peace of mind when it comes to you and your family's well‑being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance.
• 401(k) & ESOP Profit Sharing: Employees are owners. Receive a match of up to 7% of your contributions to your retirement account.
• Wellness Program: The Healthy Way Program incentivizes gym membership and hosts educational programs and challenges throughout the year.
• Education: Student loan repayment assistance program. Tuition reimbursement. A robust internal training program that goes beyond onboarding. We want you to continue learning. That's why we offer job shadowing, a mentorship program, and more.
• Volunteer Service Hours: Paid time to volunteer. Employees get 16 hours to take part in and donate their time to local charities.
• In‑house Childcare & Preschool: Kid's World childcare and preschool in Brookings is available for the children and grandchildren of employees.

Our Culture:

We value our culture and work hard to keep it top of mind at all times. Employees rally around 9 core principles, creating a collaborative and enjoyable work experience for all. During the onboarding process, all new employees attend a culture camp, which is led by the CEO and the Chairman of the Board. Work for us: Our employees enjoy working together and treat each other (and customers) like family.

Check out our career opportunities, and join a company that cares about its people and community.