Intern - Credit/Commercial

First Merchants Corporation • Royal Oak, MI

7d

About The Position

First Merchants is seeking motivated college students for its 12-week paid 2027 Summer Internship Program. The Commercial Banking Intern will learn about commercial banking roles and the products and services provided to commercial customers. The internship provides hands-on experience assessing credit risk, analyzing financial data, managing portfolios, participating in team-based credit decisions, and learning the commercial banking sales cycle, relationship banking, whole-bank selling techniques, and sales management.

Interns will complete trend reports for borrowing base certificates, perform covenant monitoring and annual credit reviews, attend loan committees and opportunity memorandum discussions, partner with relationship managers on prospecting and client calls, and monitor loan maturities while recommending renewal strategies. The program also includes mentorship, networking and development events, a community service project, and a presentation of internship accomplishments and learnings to senior leadership.

Requirements

• Be a full-time bachelor's degree-seeking student (or pursuing a higher degree) at an accredited college or university.
• Be available to work 40 hours per week from May 17 through August 6, 2027.
• Be authorized to work in the United States.
• Have a demonstrated interest in the industry and/or specific area of interest.
• Have a GPA of 3.0 or higher.
• Be able and willing to travel periodically throughout the First Merchants footprint, if applicable.
• Demonstrate initiative, enthusiasm, a strong work ethic, a team mentality, and self-motivation.

Responsibilities

• Complete trend reports for borrowing base certificates.
• Complete covenant monitoring and annual credit reviews.
• Attend and participate in loan committees and opportunity memorandum discussions.
• Partner with relationship managers on prospecting activities and participate in client calls.
• Monitor loan maturity dates and recommend renewal strategies.
• Participate in a coordinated community service project.
• Present a summary of the internship experience at the conclusion of the program.

Benefits

• Paid summer internship.
• Hands-on experience in the financial services industry.
• Mentorship from experienced professionals.
• Networking and development events.
• Opportunity to build relationships with leaders across the organization.

What This Job Offers

• Career Level: Intern