Requisition Number 18-1969 Post Date 10/29/2018 Title Intern - Commercial Banking Part Time? No City Memphis State TN Description This internship will be part of First Tennessee's COMMERCIAL BANKING group. Position is located in Memphis, TN. This Internship will provide: Knowledge of the companys First Power culture, vision and mission statements A broader perspective on how First Horizon services the community and region as a whole. The opportunity to participate in and/or lead the completion of assigned, short-term projects requested by managers The opportunity to acquire specific skills that are needed to achieve professional goals and aspirations. Hands-on work experience in the field Our Internship program is a 9 week PAID program that starts on Monday, June 3, 2019 and runs through Friday, August 2, 2019. Value for the Intern: 1) Learn the various functions within the commercial banking world from sales to credit analysis and underwriting project. 2) Apply knowledge of evaluation techniques (cash flow, discounted cash flow models and sensitivity analysis) in business environment 3) Conduct industry research to support credit decisions Delivery: The intern will work closely with the commercial relationship team, especially the commercial banking credit analyst. Job Description: The Credit Analyst Intern analyzes credit information to determine risk involved in lending money to commercial customers and prepares reports of findings. Supports Commercial Portfolio Managers (PM), Relationship Managers (RM) and Credit Risk Managers (CRM) through financial statement spreading and analysis of new commercial loan requests as well as existing credit relationships. Analyzes such factors as income growth, margins, trends, quality of management, market share, potential risks of industry and collateral appraisal. Prepares credit and cash flow analysis; submits credit approval documents and write-ups to PM for decision. Monitors compliance with loan agreements and performs credit grading. Communicates frequently with the PM, RM and CRM regarding credit discussions and input on analysis. Conducts industry analysis and other special projects. Attends additional training classes and seminars. Completes a full credit analysis/write-up for loan approval. Write-ups include financial statement analysis, company background and debt recap, collateral and guarantor analysis, and other sections when applicable. Utilizes applicable software programs to develop credit approval documents, credit grading, and write-ups. Spreads financial statements using the banks spreading program. Assists in preparing projections and compiling sensitivity analysis. These spreads provide PMs and RMs with common size information, key ratios, cash flow reports, and RMA industry Monday - Friday 8:00 a.m. - 5:00 p.m. Average 40 hours per week. 2.75 GPA Required Requirements 2.75 GPA Required System/Software Access: Advanced Microsoft Office skills, specifically Excel & Word Excellent organizational skills Analytical thinking & problem-solving skills Strong written/verbal communication skills #LI-DD1 All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, gender stereo typing, and age. First Tennessee is an EO employer M/F/Vets/Disabled. Please view Equal Employment Opportunity Posters provided by OFCCP here .