Please Note: This is an in-office position located in Miami, Florida.

About Us:

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, along with offices in Chesterfield, Missouri, and Miami and Tampa Bay, Florida.

INB is a full-service financial institution known for relationship-driven banking, disciplined credit culture, and long-term client partnerships.

Job Summary:

INB Bank’s Summer 2026 Finance & Credit Internship is designed for high-performing undergraduate students seeking hands-on exposure to commercial banking, credit underwriting, and relationship management within a growing, privately held national bank.

This program is not observational. Interns operate as embedded members of the banking team, contributing to real transactions, real analysis, and real decision-making alongside senior credit officers, relationship managers, and executive leadership.

What You Will Do

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

• Credit analysis and underwriting support
• Financial statement analysis and cash flow modeling
• Industry, market, and borrower research
• Risk assessment and credit memorandum preparation
• Collaboration with Relationship Managers, Risk Associates, Wealth Management, and Cash Management teams
• Participation in internal meetings and deal discussions
• Each intern will also complete a capstone project designed to deliver tangible value to the team and provide senior leadership with actionable insights.

What You Will Learn

• How commercial credit decisions are evaluated and approved
• How balance sheets, income statements, and cash flows drive lending outcomes
• How banks assess borrower risk, industry dynamics, and collateral structures
• How relationship-driven banking operates in growth markets such as Florida
• How to communicate financial analysis clearly and professionally

Basic Qualifications

• Currently enrolled in a bachelor’s degree program (rising sophomore through senior)
• Majors preferred: 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. Please click the link below for all benefits that are offered.

https://www.inb.com/Resources/9f1b90c4-905c-4cd7-9dee-afd9937ab37a/INB%20employee%20benefit%20flier%202025.pdf

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.

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