Intern- Digital Banking CreditUnderwriting

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 Bancorporations 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 nations 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 this exciting role you will support endtoend smallbusiness credit decisions help strengthen underwriting quality and contribute to ongoing enhancements of our digital lending experience. Youll collaborate with experts across Digital Banking Credit Risk and the Business Banking Loan Center (BBLC) to help ensure a smooth techenabled path for smallbusiness 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 cashflow and coverage metrics management/tenure thresholds and SBAspecific 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 approvaltoclosing transitions.
• Assist with data validation and portfolio insights helping identify trends that improve throughput approval rates and SBA program performance.
• Collaborate crossfunctionally 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 Bachelors or Masters degree in Finance Economics Accounting Business or related field
• Foundational knowledge of financial statements cashflow analysis and credit fundamentals
• Strong analytical mindset; proficiency with Excel (pivot tables lookups)
• Clear concise business writing and the ability to collaborate in a fastpaced environment.

Whats 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 doesnt take themselves too seriously
• Focused time to innovate