Commercial Credit Internship Summer 2027

Additional Considerations (if any):

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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

Job Description

Job Title : Commercial Credit Intern

Department: Banking

FLSA: Non-Exempt

General Function: Build a foundation for a career in commercial banking at Midwest Heritage, A Hy-Vee Company, in West Des Moines. As a Commercial Credit Intern, you will work alongside credit analysts to see how financial information informs lending decisions and helps businesses pursue their goals. Contribute to financial analysis, credit presentations, research, and lending process improvements while developing the analytical judgment and communication skills used in credit and commercial lending careers.

Core Competencies

- Analytical Thinking Skills
- Problem Solving Skills
- Attention to Detail
- Communication
- Research

Reporting Relations:

Accountable and Reports to: AVP, Senior Credit Officer

Positions that Report to you: None

Primary Duties and Responsibilities :

- Help prepare credit presentations by organizing borrower information and communicating key financial findings under the guidance of the credit team.
- Research and develop reports that support lending decisions, and contribute to projects that improve pre- and post-closing processes.
- Assist Credit Analysts with financial analysis, identify trends and questions for further review, and share findings with the team.

Secondary Duties and Responsibilities :

- Other duties as assigned.

Knowledge, Skills, Abilities, and Worker Characteristics :

- Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
- Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
- Comfort using Microsoft Office applications, including Outlook, PowerPoint, Excel, and Word, and learning new digital tools.
- Ability to communicate clearly, ask questions, and share ideas with coworkers and customers.
- Ability to build positive working relationships and collaborate with people from different teams and backgrounds.
- Strong detail orientation including the ability to review forms for accuracy and completeness.
- Curiosity about business performance and the ability to use financial information to develop clear, well-supported observations.
- Ability to organize project work, evaluate information, and apply feedback to strengthen analytical and problem-solving skills.
- Ability to work 30-40 hours per week, for a minimum of 10 weeks starting in May.

Education and Experience :

- Junior standing minimum, majoring in Finance, Accounting, Business or related field.
- Relevant coursework required.
- Minimum GPA of 3.0

Physical Requirements :

·         This position is classified sedentary/light and requires the ability to sit for long periods of time.

·         Visual requirements include ability to see detail at near range with or without correction.

·         Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.

Working Conditions :

- The duties of this position are normally performed in a general office setting. This is a fast-paced work environment.
- There is frequent pressure to meet deadlines and handle multiple projects in a day.

Equipment Used to Perform Job :

Computer with Microsoft Office and job-related applications, telephone, calculator, copier, scanner, fax, and printer.

Contacts :

This position works with Midwest Heritage employees, bank customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage.

Confidentiality :

This position is responsible for protecting the privacy and confidentiality of customer, employee, banking, insurance, and financial information at all times.

Equal Employment Opportunity :

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, or disability.