Additional Considerations (if any):
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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.
Job Title: Agricultural Credit Intern
Department: Banking
FLSA: Non-Exempt
General Function: Build a foundation for a career in agricultural banking at Midwest Heritage, A Hy-Vee Company. As an Agricultural Credit Intern, you will work alongside credit analysts and agricultural lenders to learn how farm financial information, production cycles, and market conditions inform lending decisions. Contribute to financial analysis, credit presentations, research, and lending process improvements while developing the analytical judgment and communication skills used to support agricultural producers and businesses.
Core Competencies
- Analytical Thinking Skills
- Problem Solving Skills
- Attention to Detail
- Communication
- Research
Reporting Relations:
Accountable and Reports to: AVP, Senior Credit Officer
Positions that Report to you: None
Primary Duties and Responsibilities:
- Help prepare agricultural credit presentations by organizing borrower financial and production information and communicating key findings under the guidance of the credit team.
- Research agricultural market conditions, including commodity prices, production expenses, and industry trends, and develop reports that support lending decisions.
- Assist Credit Analysts with reviewing farm financial statements, tax returns, and cash flow projections to identify financial trends, seasonal borrowing needs, and questions for further review.
- Support the review of agricultural collateral information and contribute to projects that improve pre- and post-closing processes.
Secondary Duties and Responsibilities:
- Other duties as assigned.
Knowledge, Skills, Abilities, and Worker Characteristics:
- Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
- Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
- Comfort using Microsoft Office applications, including Outlook, PowerPoint, Excel, and Word, and learning new digital tools.
- Ability to communicate clearly, ask questions, and share ideas with coworkers and customers.
- Ability to build positive working relationships and collaborate with people from different teams and backgrounds.
- Strong detail orientation including the ability to review forms for accuracy and completeness.
- Interest in agriculture and curiosity about how farm operations, production cycles, and market conditions affect financial performance and lending needs.
- Ability to organize project work, evaluate information, and apply feedback to strengthen analytical and problem-solving skills.
- Ability to work 30-40 hours per week, for a minimum of 10 weeks starting in May.
Education and Experience:
- Junior standing minimum, majoring in Agricultural Business, Agricultural Economics, Agricultural Finance, Finance, Accounting, Business, or a related field.
- Relevant coursework required.
- Minimum GPA of 3.0
Physical Requirements:
- This position is classified sedentary/light and requires the ability to sit for long periods of time.
- Visual requirements include ability to see detail at near range with or without correction.
- Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.
Working Conditions:
- The duties of this position are normally performed in a general office setting. This is a fast-paced work environment.
- There is frequent pressure to meet deadlines and handle multiple projects in a day.
Equipment Used to Perform Job:
Computer with Microsoft Office and job-related applications, telephone, calculator, copier, scanner, fax, and printer.
Contacts:
This position works with Midwest Heritage employees, bank customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage.
Confidentiality:
This position is responsible for protecting the privacy and confidentiality of customer, employee, banking, insurance, and financial information at all times.
Equal Employment Opportunity:
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, or disability.
