Commercial Banking Associate Internships
Commercial banking associate internships give university students, recent graduates, and early-career switchers hands-on project experience analyzing credit, underwriting deals, and supporting client portfolios, alongside mentorship from working commercial banking professionals, and, at many employers, a path toward a full-time offer. Openings are concentrated in {{top_industries_phrase}}, with SouthState Bank, PlainsCapital Bank, and Rockland Trust Company among the employers posting roles now.
Find InternshipsOverview
Showing 5 of 20+ Commercial Banking Associate Internships
Our Commercial Banking Internship is designed to launch your banking career by giving you an immersive, hands-on look at how UMB powers businesses of every size, and you may be considered for the 2028 UMB Banker Development Program. You’ll step into the world of commercial banking and lending, where we help companies thrive through solutions like treasury management, commercial lending, payments and healthcare financial services.
Markets for UMB's 2028 Banker Development Program will be determined at a later date. However, the Commercial Banking Line of Business has several markets, and candidates willing to relocate to multiple markets are preferred. Markets could include:
Salt Lake City
Fresno
Albuquerque
Fort Worth
Denver
CO Springs
Des Moines
Kansas City
Lubbock/Midland/Odessa
Milwaukee/Madison
Minneapolis
Oklahoma City
Tulsa
Phoenix
St. Louis
Rockford
Springfield
Wichita
The Commercial Banking Internship will be part of UMB's Summer Internship Program starting on June 2nd, 2027 to August 6th, 2027. Interns may be provided housing in the Kansas City, MO area during this time frame, when applicable.
Over the course of the summer, you’ll learn key areas of the business, build relationships with experienced bankers and develop the research, analytical and client-facing skills that set top performers apart. You won’t just observe — you’ll contribute, present, ask questions and leave with a clear understanding of what a future in commercial banking can look like.
How you’ll make an impact:
- Engage directly with commercial bankers through 1:1 informational interviews to understand their career paths, client strategies and the realities of the banking industry.
- Analyze real business drivers. Learn how bankers manage portfolios, assess industries and make risk-smart decisions.
- Lead and present market research projects that inform how we approach opportunities across our Commercial Banking teams.
- Collaborate with our Credit Analysis team to understand how loans are evaluated, structured and approved.
- Sit in on cross-functional meetings to see how marketing, finance, operations and sales come together to support clients.
- Contribute to team assignments that mirror real banking workflows.
- Own ad hoc responsibilities that stretch your critical thinking, creativity and problem-solving skills.
You’re a great fit if you...
- Consider yourself a curious, driven and collaborative problem solver.
- Communicate clearly and confidently.
- Take initiative, ask smart questions and thrive in team environments.
- Bring proficiency in Excel, Outlook and Word.
- Are entering your Senior year with a major in business, finance, accounting, economics or a related field.
- Maintain a strong academic record.
Compensation Range:
$33,786 - $49,698
The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
Are you ready to be part of something more?
You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.
If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.
#LI-BW1
Our Commercial Banking Internship is designed to launch your banking career by giving you an immersive, hands-on look at how UMB powers businesses of every size, and you may be considered for the 2028 UMB Banker Development Program. You’ll step into the world of commercial banking and lending, where we help companies thrive through solutions like treasury management, commercial lending, payments and healthcare financial services.
Markets for UMB's 2028 Banker Development Program will be determined at a later date. However, the Commercial Banking Line of Business has several markets, and candidates willing to relocate to multiple markets are preferred. Markets could include:
Salt Lake City
Fresno
Albuquerque
Fort Worth
Denver
CO Springs
Des Moines
Kansas City
Lubbock/Midland/Odessa
Milwaukee/Madison
Minneapolis
Oklahoma City
Tulsa
Phoenix
St. Louis
Rockford
Springfield
Wichita
The Commercial Banking Internship will be part of UMB's Summer Internship Program starting on June 2nd, 2027 to August 6th, 2027. Interns may be provided housing in the Kansas City, MO area during this time frame, when applicable.
Over the course of the summer, you’ll learn key areas of the business, build relationships with experienced bankers and develop the research, analytical and client-facing skills that set top performers apart. You won’t just observe — you’ll contribute, present, ask questions and leave with a clear understanding of what a future in commercial banking can look like.
How you’ll make an impact:
- Engage directly with commercial bankers through 1:1 informational interviews to understand their career paths, client strategies and the realities of the banking industry.
- Analyze real business drivers. Learn how bankers manage portfolios, assess industries and make risk-smart decisions.
- Lead and present market research projects that inform how we approach opportunities across our Commercial Banking teams.
- Collaborate with our Credit Analysis team to understand how loans are evaluated, structured and approved.
- Sit in on cross-functional meetings to see how marketing, finance, operations and sales come together to support clients.
- Contribute to team assignments that mirror real banking workflows.
- Own ad hoc responsibilities that stretch your critical thinking, creativity and problem-solving skills.
You’re a great fit if you...
- Consider yourself a curious, driven and collaborative problem solver.
- Communicate clearly and confidently.
- Take initiative, ask smart questions and thrive in team environments.
- Bring proficiency in Excel, Outlook and Word.
- Are entering your Senior year with a major in business, finance, accounting, economics or a related field.
- Maintain a strong academic record.
Compensation Range:
$33,786 - $49,698
The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
Are you ready to be part of something more?
You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.
If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.
#LI-BW1
Commercial Banking Associate Internship Market
Who's Hiring
Tips for Your Commercial Banking Associate Internship Search
Apply in the fall for summer roles
Large banks and financial institutions close summer intern cohorts months before the program starts, often in October or November for the following June. Smaller regional employers and co-op programs post closer to start dates. Check openings early in the fall semester and revisit throughout the year for programs on shorter cycles.
Build a portfolio before you start applying
Hiring teams for commercial banking associate internships expect limited work history, so give them something concrete to assess instead. A completed credit analysis, a financial model with documented assumptions, or a written investment memo with the tools you used signals readiness better than a resume with no hands-on artifacts.
Combine campus fairs with direct applications
Campus career fairs surface structured bank programs tied to your university, and recruiters there often move faster with students they meet in person. Your professors and career center staff frequently know which employers recruit from your school before roles post publicly. Applying directly to smaller companies running regional cohorts alongside campus activity widens your reach.
Practice the commercial banking interview format out loud
Commercial banking associate intern screens typically include financial accounting questions, credit or case scenarios, and behavioral rounds. Practice answering out loud, walking through your reasoning step by step, because interviewers weigh how you think through a problem as much as the final answer. Recording yourself and reviewing it once is worth the discomfort.
Target structured summer analyst programs early
Many large banks run formal summer analyst pipelines designed to train candidates who are new to commercial banking. These cohort programs offer mentorship, rotation, and a clear conversion process, and they recruit heavily in the fall. Identify the programs that match your graduation year and geographic preferences, then apply in the first recruiting wave before cohort spots fill.
Set your work-type filter before you start
On-site roles are 50% of the commercial banking associate internships listed here. Decide what you can realistically commit to before you start sorting through openings, then filter by location and work type so you are only spending time on roles you can actually accept.
Commercial Banking Associate Internships: Frequently Asked Questions
How do I get a commercial banking associate internship?
Lead your application with coursework in finance, accounting, or economics and a concrete portfolio artifact, such as a completed credit analysis, financial model, or case study write-up, that gives recruiters something specific to assess. Direct applications work well for smaller cohorts, but campus career fairs are worth attending since bank recruiters frequently move faster with students they meet in person.
Can a commercial banking associate internship turn into a full-time job?
Many employers extend return offers to strong interns, but conversion is never guaranteed. What actually drives it is consistent performance on real credit and client work, team headcount at offer time, and how clearly you express interest before the program ends. Position for a return offer by delivering on every assignment, but keep applying elsewhere so you are not counting on one outcome.
When should I apply for commercial banking associate internships?
Earlier than most candidates expect. Large banks and financial institutions recruit for summer cohorts the preceding fall, often wrapping interviews before the spring semester starts. Smaller regional banks, credit unions, and co-op programs post closer to their actual start dates, so openings appear year-round and checking regularly is worthwhile throughout your academic calendar.
Are commercial banking associate internships paid?
Most professional commercial banking associate internships in the United States are paid. Compensation varies by company size, industry, and location. Where an employer discloses pay, the listing will show it, so you can compare across the roles you are considering without needing to ask upfront.
What should a commercial banking associate internship resume include?
Lead with two or three completed projects rather than work history. For commercial banking associate candidates, that means documented financial models, credit memos, or investment analyses with the tools used, such as Excel, Bloomberg, or Argus, and a link or attachment where the recruiter can review the actual work. Add relevant coursework, keep everything to one page, and place your most analytical project first.
Are there remote commercial banking associate internships?
Yes. Remote and hybrid roles make up 50% of the commercial banking associate internship listings here, with the rest on-site. Remote cohorts fill fast because they draw applicants nationally, so apply early and use the work-type filter to see only the format that fits your situation.
What is a commercial banking summer analyst program?
Summer analyst programs are structured, cohort-based internships run by larger banks and financial institutions specifically for students who are new to the field. They combine rotations, training sessions, and direct deal or client work over eight to ten weeks. These programs recruit heavily in the fall for the following summer and are competitive, so identifying the programs that fit your background and applying in the first recruiting wave improves your chances.
Can international students get commercial banking associate internships?
Yes. F-1 students can intern through CPT while enrolled or through OPT work authorization after finishing a degree, and the employer does not have to file anything for either, so many companies are open to international interns. Confirm your eligibility and timing with your university's international student office before accepting an offer.
See All 20 Commercial Banking Associate Internship Jobs
Find roles that match your experience and apply in just a few clicks.
Find Internships