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Credit Risk Analyst Intern Jobs in Alabama (NOW HIRING)

Alabama Ag Credit

Senior Credit Analyst

Montgomery, AL · On-site

... and analysis of complex credits on commercial and mortgage loans including experience in ... Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct ...

Alabama Ag Credit

Senior Credit Analyst

Montgomery, AL · On-site

... and analysis of complex credits on commercial and mortgage loans including experience in ... Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct ...

ThinkingAhead

Sr. Credit Analyst

Montgomery, AL · On-site

$90K - $120K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Own risk ratings and loss-given-default assignments * Support and mentor analysts on complex ... and mortgage credits, including loan participations and credit structuring * Strong financial ...

ServisFirst Bank

Credit Analyst

Birmingham, AL · On-site

DUTIES AND RESPONSIBILITIES The Credit Analyst is responsible for producing various Board and loan ... lending risk * Order REIS reports as requested * Conduct collateral and other code reviews and ...

PNC Bank

Relationship Manager II - C&IB (F)

Birmingham, AL

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Handles the origination, financial analysis, negotiation and documentation of credit and non-credit products and services. * Manages risk/return and drives quality for new and/or existing clients.

Everest

  • Medical

  • Life

  • Retirement

  • PTO

Strong knowledge of credit analytics and risk assessment methodologies. * Ability to analyze large datasets and synthesize complex investment information. * Excellent PowerPoint and Excel ...

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All JobsCredit Risk Analyst Intern JobsCredit Risk Analyst Intern Jobs in Alabama

Credit Risk Analyst Intern information

What are some typical projects or tasks a credit risk analyst intern might work on during their internship?

As a Credit Risk Analyst Intern, you can expect to assist with data gathering and analysis to evaluate the creditworthiness of clients or portfolios, support the preparation of risk assessment reports, and help monitor key risk indicators. Interns often work closely with senior analysts to develop financial models, conduct industry research, and contribute to presenting findings to stakeholders. This collaborative environment provides valuable exposure to risk management processes and offers hands-on experience with analytical tools that are highly valued in the finance industry.

What are the key skills and qualifications needed to thrive as a credit risk analyst intern, and why are they important?

To thrive as a Credit Risk Analyst Intern, you need strong analytical skills, proficiency in quantitative methods, and a background in finance, economics, or statistics, often supported by relevant coursework. Familiarity with Excel, statistical software (such as SAS or R), and financial modeling tools is typically expected. Attention to detail, effective communication, and a willingness to learn help interns stand out in collaborative, data-driven environments. These skills are crucial for accurately assessing creditworthiness, managing risk, and supporting informed lending decisions.

What is the difference between Credit Risk Analyst Intern vs Credit Risk Analyst?

AspectCredit Risk Analyst InternCredit Risk Analyst
Required CredentialsTypically pursuing or recent graduate in finance, economics, or related fieldBachelor's degree often required; certifications like CFA or FRM preferred
Work EnvironmentInternship setting, learning-focused, supervisedFull-time professional role, responsible for analysis and decision-making
Employer & Industry UsageInternship programs in banks, financial institutions, or credit agenciesFull-time positions in similar organizations, with increased responsibilities

The main difference between a Credit Risk Analyst Intern and a Credit Risk Analyst lies in experience, responsibilities, and employment status. Interns are typically students or recent graduates gaining industry exposure, while analysts are full-time professionals performing detailed credit risk assessments and decision-making.

What does a credit risk analyst intern do?

A Credit Risk Analyst Intern supports the credit risk team by analyzing financial data, assessing the creditworthiness of individuals or companies, and preparing reports on potential risks. They may assist in monitoring credit portfolios, researching industry trends, and helping to develop models that predict credit risk. Interns typically work under the supervision of senior analysts and gain hands-on experience with the tools and methodologies used in risk assessment. This role is an excellent opportunity for students to learn about financial analysis, risk management, and decision-making in a professional environment.

What are the most commonly searched types of Credit Risk Analyst jobs in Alabama?

The most popular types of Credit Risk Analyst jobs in Alabama are:

What are popular job titles related to Credit Risk Analyst Intern jobs in Alabama?

For Credit Risk Analyst Intern jobs in Alabama, the most frequently searched job titles are:

What job categories do people searching Credit Risk Analyst Intern jobs in Alabama look for?

The top searched job categories for Credit Risk Analyst Intern jobs in Alabama are:

What cities in Alabama are hiring for Credit Risk Analyst Intern jobs?

Cities in Alabama with the most Credit Risk Analyst Intern job openings:

Credit Risk Analyst Intern jobs near you
Infographic showing various Credit Risk Analyst Intern job openings in Alabama as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 14% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution.

Commercial Real Estate Credit Officer

CB&S Bank

Russellville, AL

Full-time

Re-posted 4 days ago

Job description

GENERAL FUNCTION:

  • This position is responsible for evaluating, underwriting, and recommending approval or denial of commercial real estate loan applications.
  • Involves in-depth credit analysis, risk assessment, and structuring of loans for properties such as multifamily, office, retail, industrial, and construction projects.
  • Ensure compliance with bank policies, regulatory requirements, and sound lending practices while supporting the bank's portfolio growth and risk management objectives.

MAJOR DUTIES AND RESPONSIBILITIES:

  • Conduct thorough underwriting of CRE loan requests, including analysis of borrower financial statements, tax returns, personal financial statements, credit reports, and guarantor strength.
  • Evaluate property-level risks through review of appraisals, environmental reports, title searches, market analyses, and third-party due diligence reports.
  • Perform cash flow analysis (e.g., Debt Service Coverage Ratio, Loan-to-Value), stress testing, and sensitivity analysis to assess repayment capacity and collateral adequacy.
  • Prepare detailed credit memoranda/write-ups summarizing findings, risks, mitigants, and recommendations for loan approval, structuring, covenants, and pricing.
  • Recommend loan approvals, denials, or modifications within delegated authority; assist in presentation of complex deals to Director's Loan Committee.
  • Monitor existing CRE portfolio for compliance with covenants, early warning signs, and risk rating accuracy; conduct annual reviews and renewals.
  • Collaborate with relationship managers and originators to structure deals that meet borrower needs while adhering to risk parameters.
  • Ensure adherence to regulatory guidelines (e.g., Basel, FDIC, interagency CRE guidance) and internal credit policies.
  • Assist in portfolio management, including problem loan identification and workout strategies when necessary.
  • Stay current on CRE market trends, property types, economic conditions, and industry risks.

JOB QUALIFICATIONS

  • Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field; Master's degree or professional certifications (e.g., CFA, CPA, or Credit Risk Certification) preferred.
  • Minimum 5-7 years of experience in commercial real estate credit underwriting, analysis, or lending within a bank, credit union, or financial institution.
  • Proven track record in underwriting various CRE asset classes (multifamily, retail, office, industrial, construction/development loans).
  • Strong knowledge of CRE lending regulations, risk rating systems, and financial modeling.

REQUIRED SKILLS

  • Advanced financial analysis skills, including spreading financials, ratio calculations, and cash flow projections (proficiency in Excel required).
  • Excellent written and verbal communication skills for preparing credit reports and presenting to committees.
  • Strong analytical and critical thinking abilities with attention to detail.
  • Ability to manage multiple deals in a fast-paced environment while meeting deadlines.
  • Proficiency in credit software, underwriting tools, and Microsoft Office Suite.
  • High ethical standards and commitment to compliance.

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