Credit Risk Intern

Job Description

JOB DESCRIPTION

The Credit Risk Rotational Intern program provides a comprehensive, hands-on learning experience across multiple areas of Northwest Bank's Credit organization. Over the course of the internship, the student will rotate through Underwriting, Credit Approval, Appraisal Services, Special Assets Group (SAG), and the Credit Risk Project, gaining exposure to end-to-end credit lifecycle management. This opportunity is designed for a motivated student who wants to understand how credit decisions are made, monitored, and managed across different functions within a financial institution. The intern will engage with credit professionals, participate in analytical work, and observe executive-level discussions that shape portfolio and risk strategies.

ESSENTIAL FUNCTIONS:

Underwriting:

· Assist with financial statement spreading, collateral analysis, and risk grading using Moody's CreditLens

· Observe credit committee discussions to understand how loan structure, loan-to-value (LTV), and debt-service-coverage ratios (DSCR) impact decisions

· Support basic market and comparable property analysis to evaluate project feasibility

Credit Approval:

· Gain knowledge of lending policies

· Attend OM discussions on new lending opportunities

· Attend SLC meetings as applicable

· Enforce policy requirements during the loan structuring and approval processes

Appraisal Services Rotation:

· Learn how both residential and CRE appraisals are ordered, reviewed, and validated.

· Understand how key valuation elements – such as property condition, market comparables and income potential – are factored into loan structuring and risk assessment.

· Explore the foundation of the Uniform Standards of Professional Appraisal Practice and gain familiarity with the three primary valuation methods.

· Gain exposure to the environmental assessment and CRE construction risk review processes and understand how findings impact loan decisions.

· Attend team meetings to observe cross-functional collaboration and decision making

Special Assets Group (SAG) Rotation:

· Gain exposure to workout and restructuring processes for challenged or non-performing loans

· Observe how risk mitigation strategies and collateral recovery actions are developed

· Participate in portfolio reviews and special asset status reporting

Credit Risk Project Rotation:

· Support project coordination, data organization, and process documentation within the Credit Risk function

· Assist with automation and reporting initiatives across the department

· Observe how enterprise projects are managed and presented to executive stakeholders

WHAT YOU'LL GAIN:

• Exposure to end-to-end commercial credit lifecycle, from origination to resolution

• Hands-on experience using Moody's CreditLens for spreading and risk grading

• Opportunity to attend Credit Committee meetings and observe executive decision-making

• Understanding of how appraisal values, LTVs, and market data influence underwriting and portfolio risk

• Development of professional skills in data management, communication, and project coordination

QUALIFICATIONS:

• Currently enrolled in an undergraduate or graduate program in Business Administration, Management, Finance, Economics, or a related discipline

• Strong analytical, organizational, and communication skills

• Proficiency in Microsoft Office (Excel, PowerPoint, Word); familiarity with project tools (Microsoft Project, SharePoint, or Smartsheet) is a plus

• Ability to manage multiple priorities and meet deadlines in a fast-paced environment

• Interest in financial services, credit risk, or project management

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.