2027 Corporate Credit Risk Summer Internship

Overview:

Top European Bank (the “Bank”)with significant US operations is seeking a Summer Intern to join its Corporate Credit Risk / Underwriting team. The internship is designed to provide hands-on exposure to corporate credit analysis, transaction underwriting, and portfolio risk management within a global financial institution.

The Summer Intern will work alongside experienced credit underwriters and Credit Risk Officers supporting the evaluation of large corporate borrowers and transactions across multiple industry sectors. The intern will gain exposure to the full credit underwriting process, including company and industry analysis, financial statement analysis, financial modeling, transaction structuring, preparation of credit applications, and ongoing portfolio monitoring.

The internship is intended to provide practical experience in how a financial institution evaluates creditworthiness, identifies and mitigates transaction risks, establishes appropriate credit exposure, and presents credit recommendations for approval. The intern will also have opportunities to interact with professionals across Credit Risk, Corporate Banking, Product, Legal, and other functions.

The Bank is one of the leading proponents of sustainable finance, helping clients transition toward a more sustainable future through environmental protection, economic growth, and social development. The intern may also gain exposure to the incorporation of climate, sustainability, and ESG considerations into the credit risk assessment process.

Responsibilities:

• The Summer intern will participate in a structured learning experience designed to develop a foundational understanding of corporate credit risk, underwriting, and portfolio management.
• Work alongside experienced underwriters to gain exposure to the credit assessment process, including financial analysis, industry research, transaction structures, and risk identification.
• Assist with selected components of live credit underwriting assignments under the guidance and supervision of senior team members.
• Develop practical financial analysis skills through exposure to financial statements, key credit metrics, cash flow analysis, leverage, liquidity, and capital structures.
• Gain familiarity with credit applications, transaction materials, and other documentation used to evaluate and approve corporate credit exposures.
• Participate in discussions with underwriters and other risk professionals to understand how credit risks, structural considerations, and mitigants are evaluated.
• Support ad hoc projects, including portfolio analytics, industry and sector research, market updates, process improvements, and other Credit Risk initiatives.
• Gain exposure to ongoing portfolio monitoring activities, including periodic credit reviews, financial performance updates, and identification of emerging risks.
• Participate in meetings and learning opportunities with Corporate Banking, Product, Legal, and other internal partners to develop a broader understanding of the corporate banking business.
• Receive ongoing coaching and feedback from senior team members and develop the analytical, communication, and professional skills required for a potential career in corporate credit risk.

Qualifications:

• Candidates should be currently pursuing a bachelor’s degree, preferably in Finance, Accounting, Economics, Business, or a related quantitative discipline, with an expected graduation date following completion of the internship.
• The successful candidate should have a strong academic record and demonstrated interest in corporate banking, credit risk, financial analysis, or financial markets. Coursework in accounting, corporate finance, financial statement analysis, economics, or related subjects is desirable.
• Candidates should possess strong quantitative and analytical skills and a fundamental understanding of financial statements, including the income statement, balance sheet, and cash-flow statement. Familiarity with financial modeling, corporate valuation, capital structures, or credit analysis is beneficial but not required.
• Strong written and verbal communication skills are important, as the intern will be expected to synthesize financial and qualitative information and communicate analytical conclusions clearly. Candidates should also demonstrate intellectual curiosity, sound judgment, attention to detail, and the ability to manage multiple assignments in a professional environment.
• Prior internship experience in banking, finance, accounting, investment management, consulting, or a related field is beneficial but not required.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

With respect to this position in our New York Office, the expected hourly rate is $35/hour. It is not typical for offers to be made at or near the top of the range. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.

*Employment eligibility to work with BBVA in the U.S. is required as the company will not pursue visa sponsorship for these positions.