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Enterprise Credit Analyst Internship 2025

2 months ago

Charlotte, North Carolina, United States Bank of America Full time

Overview of the Role

Enterprise Credit Analyst Internship - 2025

About Enterprise Credit

The Enterprise Credit division is a cohesive organization focused on credit assessment, oversight, and product management, catering to clients across the bank's diverse business sectors, including individuals, corporations, and institutions. To ensure a seamless experience for our clients, the Enterprise Credit team collaborates with various partners in Global Risk, Global Operations, Global Banking, and Consumer & Small Business Banking.

Internship Program Details

The Enterprise Credit Summer Analyst Internship spans ten weeks, offering extensive exposure to our credit assessment, oversight, business controls, and data management processes. The program combines practical training with classroom instruction aimed at enhancing technical, analytical, and professional skills.

Our primary objective is to provide you with the opportunity to strengthen your academic background, particularly in technical skills, industry insights, and familiarity with a corporate setting while pursuing your career based on your interests and expertise. Your training and development are our utmost priority, featuring comprehensive formal training at the program's commencement, alongside ongoing support, events, and mentorship throughout.

The Enterprise Credit program encompasses five distinct tracks to support the eight lines of business, including:

  • Consumer Credit
  • Global Wealth & Investment Management Credit (Focusing on our Merrill and Private Bank clientele)
  • Global Commercial Banking (GCB), Asset-Based Financing, and Commercial Real Estate Credit
  • Global Corporate & Investment Banking and Global Markets Credit
  • Data Analytics and Business Controls/Process Optimization

Focus on Global Wealth & Investment Management Credit:

Candidates pursuing this credit portfolio should possess a solid understanding of corporate finance and accounting principles to assess both corporate and personal financials. The team provides support to high-net-worth and ultra-high-net-worth clients with securities-based lending and tailored lending solutions.

  • Securities-based lending utilizes the client's existing securities portfolio as collateral.
  • Custom lending assists clients with complex wealth in meeting their liquidity requirements, potentially leveraging assets such as fine art, yachts, and real estate as collateral.

Daily Responsibilities

Throughout the ten-week internship, you will engage in various daily tasks aligned with the credit portfolio you are assigned to. You will work closely with a senior team of credit professionals. Potential responsibilities include:

  • Analyzing client financial data, identifying and mitigating potential risks, ensuring compliance with regulatory standards, and evaluating collateral to determine creditworthiness.
  • Participating in discussions regarding loan structuring and completing loan documentation.
  • Conducting monitoring activities, including assessing unencumbered liquid assets and debt service coverage ratios.
  • Reviewing and assessing collateral to ensure compliance with requirements.
  • Evaluating clients' financial performance by comparing it to historical data.
  • Performing cash-flow analyses to gauge the client's repayment capacity.
  • Attending meetings to gain a deeper understanding of the client's business, management team, and performance trends.
  • Reviewing completed client requests to ensure adherence to policies and procedures and evaluating the adequacy of business controls.
  • Participating in the comprehensive data management process to understand how credit data is utilized internally and shared with regulatory partners.

Qualifications

  • Candidates must be pursuing a bachelor's degree from an accredited institution.
  • A minimum GPA of 3.2 is preferred.
  • A track record of high achievement is essential.
  • Common fields of study include but are not limited to:
    • Finance
    • Business Administration
    • Accounting
    • Information Systems
    • Economics
    • Other related disciplines
  • Candidates should demonstrate a strong intellectual curiosity, a commitment to operational excellence, and a focus on achieving sustainable results.
  • Additionally, students should possess robust academic and technical skills in Microsoft Office, along with proficiencies in leadership, teamwork, problem-solving, analytical abilities, verbal and written communication, and professionalism.

Employment Type: Full-time

Weekly Hours: 40.00

Shift: 1st Shift