Summer 2026 Finance & Credit Internship

Job Description

Job Title: Summer 2026 Finance & Credit Internship

Location: Miami, Florida (In-Office Position)

About INB Bank, N.A.

INB Bank, N.A. (formerly Illinois National Bank) is a locally owned, privately held national bank headquartered in Springfield, Illinois. With approximately $3 billion in assets, INB operates 14 branches and a remittance processing center in Central Illinois, alongside offices in Chesterfield, Missouri, and Miami and Tampa Bay, Florida.

INB is recognized as a full-service financial institution committed to relationship-driven banking, a disciplined credit culture, and fostering long-term client partnerships.

About the Internship Program

INB Bank’s Summer 2026 Finance & Credit Internship offers a unique opportunity for high-performing undergraduate students to gain hands-on exposure to the core functions of commercial banking. This program focuses on credit underwriting and relationship management within a growing, privately held national bank.

This is not an observational program. Interns are integral, embedded members of the banking team, actively contributing to real transactions, performing genuine analysis, and participating in decision-making processes alongside senior credit officers, relationship managers, and executive leadership.

What You Will Do (Key Responsibilities)

As a Finance/Credit Intern, you will gain broad exposure across INB’s core banking functions, including:

• Credit analysis and underwriting support for commercial loans.
• Performing financial statement analysis and cash flow modeling.
• Conducting industry, market, and borrower research to support credit decisions.
• Assessing risk and assisting with credit memorandum preparation.
• Collaborating with Relationship Managers, Risk Associates, Wealth Management, and Cash Management teams.
• Participating actively in internal meetings and deal discussions.
• Completing a dedicated capstone project designed to deliver tangible value and actionable insights to senior leadership.

What You Will Learn

This internship is structured to provide comprehensive learning experiences, including:

• A deep understanding of how commercial credit decisions are evaluated and approved.
• Insights into how balance sheets, income statements, and cash flows drive lending outcomes.
• Methods banks use to assess borrower risk, industry dynamics, and collateral structures.
• Practical knowledge of how relationship-driven banking operates in growth markets like Florida.
• Developing skills to communicate financial analysis clearly and professionally.

Requirements

Basic Qualifications

• Currently enrolled in a bachelor’s degree program (rising sophomore through senior).
• Preferred Majors: Accounting, Finance, Economics, Business Administration, Management, or related fields.
• Availability to work full-time during the summer internship period.

Preferred Qualifications

• Proficiency in Microsoft Office (Excel proficiency strongly preferred).
• Foundational understanding of financial statements and cash flow analysis.
• Strong analytical, research, and problem-solving skills.
• Ability to learn new software and systems quickly.
• Excellent written and verbal communication skills.
• Ability to work independently while contributing effectively to a team environment.

Group Insurance Benefits And Plans

INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. For a comprehensive overview of all benefits offered, please click the link below:

INB Employee Benefit Flier 2025

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

ADA Disclaimer: In developing this job description, care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.

Equal Employment Opportunity: INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB’s policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law Poster is available here: Know Your Rights: Workplace discrimination is illegal