Commercial Credit Intern

We are excited to welcome a Commercial Credit Intern for Summer 2026! This internship is anticipated to take place over 10-12 weeks during the months of June through August.

This position is primarily responsible for assisting the department in conducting annual financial reviews of existing commercial loan relationships to determine the continued credit worthiness of the borrower.

Essential Functions

• Gather and analyze financial documents which include by are not limited to
• Business financial statements
• Business tax returns
• Personal tax returns
• Personal financial statements
• Personal credit bureau reports
• Summarize the findings in written reports by assessing the
• Repayment capacity
• Collateral coverage
• Financial strength of the borrower and guarantors
• Compliance with loan covenants
• Assisting analysts in
• Line renewals
• Customer visits

Nonessential Functions

• Performs additional duties as requested.
• Attend at least one (1) in-house workshop/training.

Location: This is a hybrid role based out of White River Junction, Vermont.

What you Bring

• College student with interest in accounting
• Completion of course work in Accounting at the intermediate to advanced level
• Ability to use and working knowledge of personal computers, software packages (principally Microsoft Word and Excel), and the internet and typing skills
• Strong analytical skills
• Effective communication skills
• Strong writing skills
• Ability to work independently with minimal supervision
• Able to multi-task, work under pressure, and meet deadlines
• Attention to detail
• Able to maintain confidentiality and privacy
• Professional appearance; grooming and dress consistent with MSB appearance policy

Core Competencies

Builds Networks - Effectively building relationship networks inside and outside the organization.

Collaborates - Building partnerships and working collaboratively with others to meet shared objectives; understanding how interactions with colleagues ultimately impact the customer.

Courageously Challenges and Questions - Challenging the status quo by asking questions and challenging existing processes; seeking out diverse opinions and ideas.

Cultivates Innovation - Creating new and better ways for the organization to be successful.

Demonstrates Self-Awareness - Using feedback and reflection to gain insight into personal strengths and weaknesses.

Self-Leadership - Asking for the direction and support needed to grow and be challenged.

Values Differences - Recognizing the value that different perspectives and cultures bring to an organization.

If you are interested in the role and do not meet 100% of the requirements, we are still interested in hearing from you!

Why Mascoma Bank?

• Strong culture of belonging with a team that values creativity, new perspectives, and innovation.
• Community first minded. We care about our employees and the communities we serve.
• Competitive compensation.
• Flexible work environment with onsite, remote and hybrid opportunities.
• Career development and internal career mentorship.

Background and Credit Check

As part of our commitment to maintaining a secure financial institution, all final candidates will be required to successfully complete background and credit screenings as part of the hiring process. These screenings will be conducted in accordance with applicable laws and industry regulations.

Please note: Having a record on a background or credit report does not automatically disqualify you. We evaluate results on a case-by-case basis, considering their relevance to the role and any regulatory requirements.

Our Commitment to Belonging!

The communities served by Mascoma Bank consist of individuals from diverse backgrounds. Our employees likewise bring unique perspectives, experiences, and approaches to the bank. We strive to create a safe and welcoming environment for all who pass through our doors and a workplace that actively demonstrates mutual respect and trust, one of our core values. A truly inclusive culture leads to a sense of belonging and support for all team members and inspires innovation and creativity. We are committed to recruiting and retaining a diverse talent pool, increasing team member engagement through professional development and community outreach activities, and offering personal growth workshops and team-building opportunities. By embracing diversity, equity, and inclusion, we strengthen our communities and ourselves.

Mascoma Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, ethnicity, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, veteran status, status as an individual with a disability, or other applicable legally protected characteristics. To request reasonable accommodations, please contact careers@mascomabank.com.

Mascoma Bank is an Affirmative Action and Equal Opportunity Employer, M/F/D/V.