Intern- Digital Banking Credit/Underwriting

Zions Bancorporation • Midvale, UT • 1d ago

Digital Banking Credit/Underwriting Intern

Summer 2026 Paid Internship

Mid-May - Mid-August

This internship is not eligible for relocation assistance. Local candidates preferred

Zions Bancorporation's Internship and Banker Development Program positions are not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker magazine as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

We are currently seeking a highly motivated Digital Banking Credit/Underwriting Intern to join our Digital Banking team. In this exciting role, you will support end-to-end small-business credit decisions, help strengthen underwriting quality, and contribute to ongoing enhancements of our digital lending experience. You'll collaborate with experts across Digital Banking, Credit Risk, and the Business Banking Loan Center (BBLC) to help ensure a smooth, tech-enabled path for small-business borrowers.

This opportunity is full-time and onsite in Midvale, UT.

Things you will do:

Support SBA 7(a) underwriting through borrower eligibility reviews, "credit elsewhere" assessments, and identification of key credit strengths and risks.

Apply quantitative criteria such as SBSS scores, cash-flow and coverage metrics, management/tenure thresholds, and SBA-specific credit parameters.

Draft credit memos and refine loan summaries outlining business models, guarantor information, collateral, repayment capacity, and credit rationale.

Work inside digital workflows (including Credit LEAD) to track needs lists, monitor application progress, and assist with approval-to-closing transitions.

Assist with data validation and portfolio insights, helping identify trends that improve throughput, approval rates, and SBA program performance.

Collaborate cross-functionally with underwriting, product, operations, and analytics teams to support a consistent and efficient digital borrower journey.

Contribute to innovation efforts aimed at improving automation, policy alignment, and digital underwriting tools.

Qualifications

Working toward a Bachelor's or Master's degree in Finance, Economics, Accounting, Business, or related field

Foundational knowledge of financial statements, cash-flow analysis, and credit fundamentals

Strong analytical mindset; proficiency with Excel (pivot tables, lookups)

Clear, concise business writing and the ability to collaborate in a fast-paced environment.

What's in it for you?

Gain valuable hands-on experience with digital small business lending and SBA 7(a) underwriting

Professional development and networking though Zions Summer Internship program

Talented team who doesn't take themselves too seriously

Focused time to innovate

Req ID: 069463

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.

Click here to view applicable Federal, State and/or local employment law posters.

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