Commercial Credit Internship - Summer 2027 - Charlotte

Make banking a Fifth Third better

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION:

The Early Career Intern provides support as directed through assignments within a line of business or division while receiving exposure to the broader organization. Interns integrate into the organization through day-to-day activities and project work. Interns operate as team members on larger initiatives, but also work independently on smaller projects and tasks.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Perform assignments and projects as determined by leadership.
• Utilize project management skills to manage and report on assignment and project status.
• Build a network of contacts within assigned line of business or division as well as across the organization.
• Effectively communicate with others, demonstrating strong verbal and written communication skills.
• Perform all work in accordance with established safety procedures.
• Complete assigned coursework and participate in self-learning.
• Perform any other duties as assigned.
• Can complete the credit underwriting process on their own with some revision / oversight
• Demonstrate ability to assess credit risk using financial statement analysis, cash flow analysis, industry analysis, collateral analysis, guarantor analysis and loan structure analysis via Credit Authorization Memo.
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action
• Accountable for updating financial covenants as needed
• Run Probability of Default (PD) model with oversight
• Partner with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks as needed
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team.
• Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
• Create high-impact presentation materials using PowerPoint, Excel, Word and other relevant software programs.
• Understand and utilize complex financial models to build projections
• Handle special assignments/projects as assigned by department managers.
• Build an extensive network of contacts within Commercial and supporting divisions.
• Attend formal training classes, complete all assigned eLearning courses and participate in
• Extensive self-learning.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Pursuing bachelor’s degree with strong financial or business background
• Graduation date between December 2027 - May 2028
• Minimum 3.0 GPA required
• Excellent presentation skills, both oral and written
• Strong analytical skills and an interest in financial analysis, corporate finance and financial markets
• Good working knowledge of financial modeling and valuation
• Exceptional verbal and written communication skills.
• Ability to draw conclusions based on financial data.
• Strong presentation and organization skills.
• Process orientation and attention to detail
• Candidates must be authorized to work in the U.S. without the need for employment-based immigration sponsorship now or in the future.

Compensation :

We offer a competitive base salary that is reflective of the range of salary levels for all roles within this pay grade across the US. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

earlycareers #onebanksummerexperience

Commercial Credit Internship - Summer 2027 - Charlotte

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.

LOCATION -- Charlotte, North Carolina 28202

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.