Credit Internship

About the Role

This is a 1-year full-time internship position (40 hours per week) designed as a developmental role within the Credit Department. Selected candidates must be available to begin working as soon as possible.

Key Responsibilities

Credit Governance and Oversight

• Support the maintenance and organization of the Credit Governance Framework, including credit policies, standards, procedures, committee materials, approval authorities, and supporting documentation.
• Assist with governance trackers, action-item logs, policy and procedure inventories, approval-condition monitoring, exceptions, and periodic management reporting.
• Review documents and data for accuracy, consistency, completeness, and alignment with approved credit terms and established governance requirements.
• Support the preparation of materials for credit committees, management discussions, internal reviews, and regulatory or audit requests.
• Help document decisions, dependencies, open items, escalation points, and follow-up actions across Credit workstreams.

Credit Analysis and Portfolio Monitoring

• Assist Credit Analysts and Senior Credit Officers with financial spreading, trend analysis, peer comparisons, industry research, borrower and counterparty information, and macroeconomic data.
• Support the preparation and quality review of credit memoranda, annual reviews, renewals, amendments, and other credit-related requests under supervision.
• Assist with portfolio monitoring reports covering exposures, facility utilization, risk ratings, maturity profiles, covenant or approval-condition tracking, and emerging risk indicators.
• Compile and validate information from internal systems and approved external sources, identifying data gaps or inconsistencies for review.
• Escalate material discrepancies, missing information, or potential risk concerns promptly to the supervising Credit Officer.

Credit Administration Support

• Assist with tracking credit approvals, conditions precedent and subsequent, documentation requirements, renewals, maturities, and other post-approval follow-up items.
• Support reconciliation and quality-control activities across credit approvals, legal documentation, system records, collateral information, and Credit Administration reports.
• Help maintain organized and audit-ready credit files, trackers, procedural documentation, and evidence of completed controls.
• Coordinate follow-up with Credit Administration and other stakeholders to support timely resolution of outstanding items.

Automation, Data, and LOS Initiatives

• Support Credit process-improvement and automation initiatives by documenting current-state and future-state workflows, business requirements, process gaps, controls, and user needs.
• Assist with LOS data validation, user-acceptance testing, defect and issue tracking, workflow testing, procedure updates, and implementation-readiness activities.
• Help develop and maintain dashboards, trackers, standardized templates, and management reports using Microsoft Excel, PowerPoint, and other approved tools.
• Identify opportunities to reduce manual work, improve data quality, strengthen controls, and enhance the consistency and transparency of Credit processes.
• Support responsible use of Microsoft Copilot and other approved artificial intelligence-enabled productivity tools in accordance with Bank standards and information-security requirements.

Requirements & Tech Stack

• Microsoft Office (Word, Excel, PowerPoint, Outlook)
• Microsoft Copilot (familiarity is a plus)
• LOS (Loan Origination System)
• Data visualization tools (familiarity is a plus)
• Workflow tools (familiarity is a plus)
• Automation tools (familiarity is a plus)

Qualifications

• Strong organizational, analytical, and critical-thinking skills, with close attention to detail.
• Ability to review documents and data for accuracy, consistency, and completeness.
• Effective written and verbal communication skills and the ability to work collaboratively across functions.
• Ability to manage multiple assignments, priorities, and deadlines in a structured environment.
• Curiosity, accountability, sound judgment, and a strong willingness to learn.
• Interest in banking, credit risk, financial analysis, governance, operations, technology, or process improvement.
• Currently pursuing a bachelor’s or master’s degree in Finance, Accounting, Economics, Business Administration, Information Systems, Data Analytics, or a related field.
• Relevant coursework, academic projects, or prior internship experience in banking, credit, risk management, finance, audit, operations, project management, automation, or data analytics is preferred but not required.
• Strong written and verbal communication skills in English.
• Spanish and/or Portuguese is a plus.
• Candidates must have US Work Authorization.