Internship Summary:

As an Ag Credit Analyst Intern, you will assist the Ag Credit team with day-to-day analysis, risk mitigation, and management of lending relationships. You’ll gain hands-on experience analyzing financial statements and monitoring loan performance and overall relationship quality. In this internship, you will also have the opportunity to shadow other areas within the Credit and Banking departments, broadening your understanding of how we serve our customers and communities.

We anticipate this internship will run from November 2025 through April 2026, with flexibility to accommodate academic schedules. The ideal candidate will be available to work 20–25 hours per week and is eager to learn, grow, and make an impact as part of our team.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who we are:

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

What will you do:

Accountabilities

Underwriting

• Analyze diverse credit information for loans; analyze credit history of customers and prospects; prepare of credit analysis for presentation to loan officers and Loan Committee.
• Perform analysis techniques including cash flow analysis, financial projections, stress testing, and peer company analysis.
• Develop an understanding of the Bank’s loan policies and guidelines, analysis processes, and credit culture. Identify the impact and value that Ag Credit has on banking relationships.
• Document lending activities, including appropriate credit analysis, to meet structural objectives and legal requirements. Provide adequate file support for third party review including Bank management, credit review, Bank examiners, and outside auditors.
• Proactively manage and structure account relationships to maintain asset quality at acceptable levels, with defined strategic plans for distressed relationships.

Qualifications

Currently enrolled in or pursuing higher education in a business-related program.

Skills and Abilities

• Able to work independently with some supervision. Self-motivated.
• Excellent verbal and written communication skills.
• Excellent organizational skills and attention to detail. High degree of accuracy required.

What’s in it for you?

With a paid internship at First National Bank in Sioux Falls, you’ll be learning from one of the communities oldest financial organizations. First National’s internship program is designed to give students hands-on experience in a variety of areas in the banking industry.

FNBSF Interns work on real projects, serve our customers, and solve problems. Our goal is to provide interns with experiences that will benefit them in their future careers. Build your resume, make important professional connections, and have a fun while you learn from the longest operated community bank in the area.