Intern - Loan Servicing (73838)

Title: Intern                                                                 Salary Grade: NE03

FLSA Status: Non-Exempt                                       Employment Status: Intern

Department: As Assigned                                         Location: Headquarters

Reports To: Assigned Mentor

Date Prepared: December 17, 2025       Human Resources Review: December 17, 2025

SUMMARY:

Reporting to an assigned mentor, this position will be structured to give the candidate a foundation of understanding of the goals for the assigned department. You will receive on-the-job training and coaching.

This position will provide the ability to apply your learned knowledge and gain experience in a real-world setting for your future growth and development. You can expect to participate in department daily job duties, as well as having an assigned project/deliverables that align with the bank’s strategic initiatives. Additionally, this position embraces the established service culture to maximize their contribution to the Bank’s goals.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

The requirements listed are representative of the knowledge, skill, and/or ability required.

In the performance of respective tasks and duties, the employee is expected to successfully perform quality work within deadlines with or without supervision, interact professionally with other employees, customers and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.

• Support digitization by organizing, filing, and scanning paper documents.
• Assist in the coordination of force-placed insurance, monitoring borrower coverage to mitigate coverage gaps or lapses on the mortgaged property.
• Monitor the status of mortgage property taxes, contact borrowers to discuss payment, and apply for tax lien certificates as needed.
• Participate in a variety of departmental projects.
• Use discretion in dealing with large amounts of sensitive, confidential information, while adhering to all Bank policies and procedures
• Regular and consistent attendance is required to ensure the high standard of customer service.
• In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and adheres to compliance procedures and internal/operational risk controls in accordance with all applicable regulatory standards, requirements and policies as well as attending all required training sessions and completing all required on-line training courses.
• Other duties as assigned, performing similar or related work as directed, required, or as situation dictates.

LEVEL OF RESPONSIBILITY:

• On-the-job training in routine work, completed with direct supervision and relies on specific bank policies.

I Acknowledge:

• That I have read the Job Description and I understand what would be expected of me and will be able to perform the essential job duties with or without accommodations.
• That the Bank, in its sole discretion, reserves the right to assign or reassign duties and responsibilities to this job at any time.
• That if employed by the Bank, I will be an at-will employee, and this job description does not constitute a contract of employment.
• That applicants may be rejected if an interview, background check, credit check and/or Social Security Trace reveals unfavorable determinations such as that an applicant has been convicted of a felony or offense against property such as receipt of stolen property, larceny, embezzlement, burglary, or similar convictions.

Statements included in this description are intended to reflect in general the duties and responsibilities of this classification and are not to be interpreted as being all inclusive, other duties may be assigned. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions, unless the accommodation would impose an undue hardship on the operation of our business.

Main Street Bank is an Equal Opportunity Employer, we are committed to recruiting, hiring, training, and promoting persons without regard to race, color, religion, national origin, citizenship, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, military service, genetic information, and gender identity.

Qualifications

SKILLS that will be used and/or learned:  

• Working towards or have bachelor’s degree or equivalent with course work in area related to assigned department.
• Knowledge of generally accepted accounting principles
• Knowledge of data management and analytics techniques
•  Relevant experience within the financial services industry preferred.
• Experience with SQL, Apex, Java, Python, R, and/or other relevant programming languages preferred.
• Relevant experience within the financial services industry preferred.
• Experience with FIS (Metavante/Teller Insight+) and FMS, preferred.
• Experience with COCC (Insight & iBanking) and Oracle Financials preferred.
• Experience with Crystal Reports and other custom reporting tools preferred.
• MS Office 365 Suite, (Email, Calendar, Distribution groups, Teams, SharePoint/OneDrive, and others). 
• A curious mindset that allows you to constantly learn and challenge the status quo.
• Ability to multi- task, organize, work independently, accomplish tasks, and meet deadlines despite interruptions in a fast-paced environment while maintaining attention to detail.
• Understanding and application of administration activities with an understanding of office procedures and ability to operate standard office equipment.
• Means and mode to travel to Main Street Bank’s office locations as needed.

EQUIPMENT REQUIRED:

• Smart Phone - To enable the MFA (Multi Factor Authentication) facilitating access to MSB systems.

COMPETENCIES:

• Coachable and demonstrable ability to take and implement feedback.
• Continuous desire to learn and improve.  
• Communication Skills (written and verbal)
• Attention to detail.
• Self-Monitoring
• Confidentiality, Discretion
• Organizational Skills,
• Prioritization skills
• Relationship Builder - Develop and maintain relationships within a diverse population of internal and external stakeholders and maintain alignment with core values, vision, strategy, and goals.
• Computer Technology Savvy - Utilize technology/systems to improve work processes and use a range of technology to solve problems.

LANGUAGE/COGNITIVE SKILLS: 

The work skills described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

The person in this position frequently communicates with other departments, customers and vendors, and therefore must be able to exchange accurate information in these cases. They will need to use judgment and discretion in decision making situations, interpret and follow all Bank policies and procedures, write/create correspondence letters to vendors, (Main Street Bank’s standard language is English). As well as the ability to:

• Speak and effectively present/communicate information and respond to questions from customers, groups of managers, and other employees.
• Define problems, collect data, establish facts, and draw valid conclusions.
• Read, analyze, and interpret a variety of documents such as financial statements, accounting system generated reports and Bank policies and procedures.

PHYSICAL and WORK ENVIRONMENT DEMANDS: 

The physical and work environment demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is required to:

Physical Demands/Efforts

• Occasionally lift and/or move up to 35 pounds, (i.e., files, boxes, Servers, printers, workstations)
• Regularly required to remain in a stationary position, greater than 50% of the time
• Occasionally required to stoop and bend

Mental & Visual Demands

• Consistently operate a computer for extended periods of time
• Specific vision abilities may be required by this job include close vision, distance vision, peripheral vision, depth perception, and ability to adjust focus
• Regular use of office productivity machinery (i.e., a calculator, copy machine, fax machine, computer printer).

Work Environment and Hazards

• Regularly move throughout the inside the Bank to access resources and individuals when in the office.
• Occasional local travel for bank purposes and/or on behalf of the bank (i.e., training, meetings, equipment delivery and set-up).
• The employee must be able to work schedules that meet the needs of the bank, which may include early morning, evening and/or weekend hours.
• When in the office it is a general office environment where the noise level is moderate.

AMERICANS WITH DISABILITIES ACT

Main Street Bank complies with all aspects of the Americans with Disabilities Act (ADA) and state disability laws. This means that we will not discriminate against qualified individuals with a disability in any phase of the employment relationship including application for employment, hiring, promotions and/or advancement opportunities, termination, compensation, training and any other conditions or privileges of employment.