Intern - Credit

At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and/or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.

Intern – Credit

Maryland Heights, MO

Rate of Pay: $15 an hour

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident, and more excited to do great things for our customers, each other and our company. We’re proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.

Position Summary

The Credit Intern will support the Credit Department by assisting with financial analysis, annual reviews, and other key functions that help assess and manage commercial credit risk. This internship offers hands-on experience with credit underwriting, portfolio management, and financial statement analysis while working closely with Credit Analysts and team leaders. The intern will also gain exposure to the broader commercial banking process, including loan operations and treasury management requests.

Primary Accountabilities
 

• Assist in spreading and analyzing financial statements to support credit decisions.
• Support in completing Treasury Management requests and documentation.
• Participate in the preparation of Short Form Annual Reviews and Covenant Tests.
• Observe and learn from Credit Analyst I and II team members to understand day-to-day workflows.
• Participate in department-specific projects and contribute to process improvements based on business needs.
• Attend meetings and cross-functional introductions to gain exposure to multiple areas of the bank.
• Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
• Perform other duties as assigned.

Position Qualifications

Education/Experience:

• Enrolled in a degree program in Finance, Accounting, or Economics, with at least two years of coursework completed.
• Strong interest in pursuing a career in commercial banking or credit analysis after graduation.
• Solid analytical, quantitative, and problem-solving skills.
• Excellent written and verbal communication skills.
• Proficient in Microsoft Excel and Teams.
• Demonstrates professionalism, initiative, and attention to detail.

Internship Details:

• Internship duration: Must be available mid-May through late July 2026.
• Schedule: Must be available Monday–Friday, 8:00 a.m.–5:00 p.m. (40 hours/week).
• Must reside locally and report to the Maryland Heights, MO office.

Competencies: 

• Business insight
• Cultivates innovation
• Drives results
• Makes sound decisions
• Being a brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Being Authentic
• Emotional Intelligence
• Self-development
• Being flexible and adaptable

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at [email protected].

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We’re proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.
 

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at [email protected].

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT