What are the responsibilities and job description for the Graduate Training Program – Commercial Banking position at INB, National Association?
Description
Duration: 24 Months
Target Audience: Recent Graduates (Finance, Business, Economics, Accounting, or related fields)
Objective
To develop well-rounded banking professionals with in-depth knowledge of key banking functions through departmental rotations, hands-on training, mentorship, and leadership development.
Requirements
Program Structure
Phase 1: Orientation & Foundation (Month 1 - 2)
Week 1 - 2
Each participant will rotate across key departments in 3-to-6-month blocks to gain hands-on experience.
INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered.
https://www.inb.com/Resources/9f1b90c4-905c-4cd7-9dee-afd9937ab37a/INB employee benefit flier 2025.pdf
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.
ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.
INB, N.A. Is Committed To Equal Employment Opportunity With Respect To Recruitment, Hiring, Training, Promotion, And Other Terms And Conditions Of Employment. It Is INB's Policy To Afford Equal Opportunity To All Employees And Applicants For Employment Without Regard To Race, Creed, Color, Sex, Sexual Orientation, Age, Marital Status, National Origin, Disability, Religion, Veteran Status, Or Any Other Basis Prohibited By Law. The EEO Law Poster Is Available Here
https://www.eeoc.gov/sites/default/files/migrated_files/employers/poster_screen_reader_optimized.pdf
Duration: 24 Months
Target Audience: Recent Graduates (Finance, Business, Economics, Accounting, or related fields)
Objective
To develop well-rounded banking professionals with in-depth knowledge of key banking functions through departmental rotations, hands-on training, mentorship, and leadership development.
Requirements
Program Structure
Phase 1: Orientation & Foundation (Month 1 - 2)
Week 1 - 2
- Introduction to the bank's mission, vision, culture, and business strategy
- Overview of banking regulations and compliance
- Risk management fundamentals
- Digital banking & innovation in financial services
- Networking with senior leadership and peers
- Core banking systems & technology training
- Soft skills: Communication, business writing, negotiation
- Regulatory compliance (AML, KYC, consumer protection laws)
- Customer service excellence
Each participant will rotate across key departments in 3-to-6-month blocks to gain hands-on experience.
- Retail Banking (3-4 months)
- Customer relationship management
- Account opening & deposit products
- Consumer loans & mortgage lending
- Sales & service strategies
- Handling customer complaints & conflict resolution
- Corporate & Commercial Banking (3-4 months)
- Business lending & credit risk assessment
- Corporate relationship management
- Trade finance & cash management
- Treasury management services
- Loan structuring & credit analysis
- Risk & Compliance (3 months)
- Understanding risk management frameworks
- Anti-money laundering (AML) & KYC processes
- Operational risk & fraud prevention
- Internal audits & regulatory reporting
- Enterprise risk management
- Treasury & Investment Banking (3 months)
- Financial markets & investment strategies
- Foreign exchange & derivatives
- Asset & liability management
- Liquidity risk management
- Capital markets and corporate financing
- Operations & IT (3 months)
- Payment processing & clearing
- Banking technology & digital transformation
- Cybersecurity & fraud prevention
- Process automation & efficiency strategies
- Data analytics & business intelligence
- Residential Mortgage Lending (3 months)
- Mortgage loan origination process
- Underwriting and risk assessment
- Mortgage regulatory compliance
- Loan servicing and secondary market operations
- Customer consultation and homebuyer education
- Trainees select their area of specialization based on their interests and performance
- Undertake a capstone project to solve a real business challenge within the chosen department
- Collaborate with senior leaders and mentors
- Present findings and recommendations to leadership
- Final assessment & review
- Leadership interviews & career path discussion
- Placement into permanent roles based on performance, interests, and business needs
- Certification of completion and graduation ceremony
- Mentorship & Coaching
- Each trainee is paired with a senior mentor
- Quarterly check-ins with HR & program coordinators
- Leadership development workshops
- Performance Evaluation
- Quarterly assessments: KPI-based evaluations in each department
- Feedback sessions: 360-degree feedback from managers, peers, and mentors
- End-of-program evaluation: Final review based on performance, skills acquired, and project work
- Networking & Exposure
- Shadowing senior leaders in strategic meetings
- Cross-functional project assignments
- Industry conferences and banking seminars
- Develop a pipeline of high-potential talent for leadership roles
- Enhance cross-functional expertise in commercial banking
- Strengthen strategic thinking and decision-making capabilities
- Improve customer-centric banking solutions through real-world training
- $55,000.00 to $70,000.00 annually
INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered.
https://www.inb.com/Resources/9f1b90c4-905c-4cd7-9dee-afd9937ab37a/INB employee benefit flier 2025.pdf
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.
ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.
INB, N.A. Is Committed To Equal Employment Opportunity With Respect To Recruitment, Hiring, Training, Promotion, And Other Terms And Conditions Of Employment. It Is INB's Policy To Afford Equal Opportunity To All Employees And Applicants For Employment Without Regard To Race, Creed, Color, Sex, Sexual Orientation, Age, Marital Status, National Origin, Disability, Religion, Veteran Status, Or Any Other Basis Prohibited By Law. The EEO Law Poster Is Available Here
https://www.eeoc.gov/sites/default/files/migrated_files/employers/poster_screen_reader_optimized.pdf
Salary : $55,000 - $70,000
