Small Business Lending Fellow

Overview

The Small Business Lending Fellowship is a structured, six-month program designed to develop future professionals within Small Business Lending. Fellows gain hands-on exposure to core portfolio management and special assets functions while learning skills to transition into a professional-level position upon completion. The fellowship emphasizes professional development, mentorship, and practical experience across banking, SBA lending, credit analysis, and portfolio management.

• Analyze annual and quarterly financials from borrowers to ensure accurate risk assessment during renewals and annual reviews.
• Analyze global cash flow for existing borrowers and guarantors to identify financial condition, repayment ability, and potential stress indicators.
• Proactively liaise and build relationships with customers to fully understand the scope of the business and status of the loan.
• When banking needs are identified, cross-sell or direct customers to the appropriate internal party.
• Monitor past due reports to identify and alleviate payment issues within the first 15 days of delinquency and recommend mitigation strategies.
• Support processes for servicing existing SBA loans.
• Collect pertinent information needed to underwrite basic servicing actions, including requests for loan modifications or collateral changes.
• Recommend servicing actions within Bank policies and the SBA SOP 50 57.
• Collect the financial documentation required to assess ongoing creditworthiness of the portfolio.
• Interact with internal partners and external vendors (attorneys, appraisers, brokers, agents, title companies, closing agents, and other 3rd party firms) to protect and advance the bank's interests.
• Process servicing requests with risk ratings of acceptable or better.
• Maintain customer records in core platforms such as PCFS Loan Manager, nCino, and other banking systems.
• Maintain financial review status logs, servicing action logs, and financial statement checklists.
• Stay informed on bank policies, SBA regulations, and commercial lending laws.
• Cross-train and assist the Loan Servicing department as needed during peak seasons and business cycles.
• Prepare internal bank reports related to delinquency and workout.
• Perform other duties as assigned to support learning and development.

• A bachelor’s degree in finance, business, or related field required or relevant or commensurate work experience.
• Strong analytical and communication skills required.
• Strong interpersonal skills with a focus on developing collaborative working relationships and the capacity to establish trust and rapport in a professional setting.
• Ability to learn quickly and adapt to a structured rotational program required.

• Professional office setting.
• Primarily sedentary position requiring long periods of time working at a computer.
• Must be able to move throughout the office and buildings to obtain or relay information.
• Must be able to perform the essential functions of the position with or without reasonable accommodation.

We’re not just another bank and we’re not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. We were the first state-charted, FDIC insured bank to operate entirely online and have continued to lead the way. We seek game changers and innovators who challenge the status quo because change is the only constant.

Ready to join a team of imaginative, driven individuals? It’s your career—imagine more. Keep reading to see what we offer.

Our success is driven by four core competencies – customer focus, teamwork, adaptability, and initiative. We’ve been recognized as an Indianapolis Star Top Workplace and a Best Banks to Work For. Our facilities feature a state-of-the-art environment with amenities that support health and work-life balance, including an onsite fitness center, ergonomic workstations, and employee perks.

Our benefits package includes:

• Medical, Dental, and Vision Insurance for Full-Time employees — Eligibility begins on day one of employment
• 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees — Eligibility begins on day one of employment
• Professional Development Reimbursement
• At Least 3 Weeks Paid Vacation Annually
• Eleven Paid Holidays
• Paid Volunteer Time
• Annual First Internet Bank-branded merchandise allowance

Equal Opportunity Employer - Women, Minorities, Veterans and Individuals with Disabilities

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The contractor will not discharge or discriminate against employees or applicants for discussing pay. See 41 CFR 60-1.35(c).  to read more.