Credit Intern

At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.

Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day.

To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.

The Commercial Credit intern will join our dynamic Commercial Credit team and play a vital role in supporting the department's daily operations. This entry-level position will provide valuable hands-on experience in credit analysis, financial statement review, and risk assessment and an opportunity to gain in-depth knowledge of Commercial Banking functions. This internship is designed to provide a well-rounded and immersive experience allowing you to develop a comprehensive understanding of Commercial Banking practices and contribute to the success of our Commercial Credit team. As a Commercial Credit intern, you will be involved in various aspects of Commercial Banking including:

• Assist the Credit Department with spreading and analyzing financial statements (income statements, balance sheets, cash flow statements) of commercial clients.
• Support the preparation of credit memos and risk assessments for non-MIRE annual reviews.
• Conduct industry and market research to support credit decisions.
• Help evaluate borrower creditworthiness and repayment capacity.
• Participate in Commercial Credit department meetings as appropriate.
• Collaborate with team members on special projects and reporting tasks as needed.

Qualifications:

• Currently enrolled as a college student pursuing a bachelor's degree in Finance, Accounting, Business Administration, or a related field. All applicants must be 18 years of age or older.
• A genuine interest in pursuing a career in Banking, demonstrated through coursework, previous internship experience, or relevant banking or accounting related activities.

Skills:

• Strong written and verbal communication skills, with the ability to communicate professionally and tactfully with employees at all levels of the organization.
• Demonstrated ability to handle confidential information with discretion and maintain high ethical standards.
• Proficient analytical and organizational skills
• PC proficiency especially in Microsoft Word and Excel.

Duration:8-10 weeks during the summer

Hours: 40 hours a week

Compensation:Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be eligible for sick and safe leave and 401k participation.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus.

The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law.

The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department.