Credit Internship

Only candidates with US Work Authorization will be considered.Type of Internship1 year full time internship, 40 hours per week. This internship is not part of a summer program. Selected candidates must be available to begin working as soon as possible.Job SummaryThe Credit Intern will support the Credit Department in activities related to credit governance oversight, credit analysis, Credit Administration, process automation, and Loan Origination System (LOS) initiatives. Working under the guidance of the Senior Credit Officer and in collaboration with Credit, business, operations, and technology stakeholders, the intern will gain practical exposure to the Bank’s credit lifecycle, governance framework, portfolio monitoring, documentation standards, and process-improvement priorities.This internship is designed as a developmental role. Assignments will be performed under appropriate supervision and will focus on research, data validation, documentation, tracking, analysis, and project support rather than independent credit decision-making or approval authority.Primary ResponsibilitiesCredit Governance and OversightSupport 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, as assigned.Help document decisions, dependencies, open items, escalation points, and follow-up actions across Credit workstreams.Credit Analysis and Portfolio MonitoringAssist 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 by the appropriate team member.Escalate material discrepancies, missing information, or potential risk concerns promptly to the supervising Credit Officer.Credit Administration SupportAssist 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, under supervision.Automation, Data, and LOS InitiativesSupport 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.QualificationsStrong 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.Proficiency in Microsoft Office, particularly Word, Excel, PowerPoint, and Outlook; familiarity with data visualization, workflow tools, automation, or Microsoft Copilot is a plus.Interest in banking, credit risk, financial analysis, governance, operations, technology, or process improvement.Education and ExperienceStudent / Entry-Level (0–1 years of relevant experience). 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.Language SkillsStrong written and verbal communication skills in English. Spanish and/or Portuguese is a plus.Bradesco Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. 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