Credit Risk Analyst Intern Jobs in Baltimore, MD

Are you looking for a professional opportunity that blends analytical problemsolving, risk management, and meaningful impact in a collaborative team environment?

Overview

Horizon Farm Credit is seeking an IRC Analyst to join our Risk team. Two positions available, qualified candidate may work in any available Horizon Farm Credit branch location. To view locations, click here Locations | Horizon Farm Credit.  This position is eligible for hybrid work schedule after 6 months of successful employment. Our ideal candidate is a detailoriented, analytical professional with strong criticalthinking skills and a passion for strengthening internal controls and risk management practices.

In this role, you will conduct internal control reviews, evaluate the design and effectiveness of business process controls, and provide meaningful, wellsupported recommendations that strengthen risk mitigation across the organization. The IRC Analyst works independently with general direction and may coach or support lesstenured team members. 

Areas of Responsibility Include:

• Verify compliance with internal control policies and procedures by examining records, reports, operating practices, and documentation. 
• Support audits and examinations conducted by Internal Audit and external partners (e.g., External Auditor, AgFirst, or FCA). 
• Evaluate design and operating effectiveness of internal controls and assess potential fraud risk during reviews. 
• Prepare risk assessments and generate risk and control matrices (RACM); update GRC systems with risks and controls. 
• Develop and execute detailed test procedures using strong criticalthinking skills. 
• Analyze transactions, documentation, and reporting to assess adequacy and process effectiveness. 
• Prepare timely review findings, documentation, and formal reports, including recommendations for remediation. 
• Prepare exception trackers and verify the status of remediation efforts. 
• Manage engagement operations, ensuring quality work is completed on time and within budget. 
• Scope, plan, and document audit engagements. 
• Seek opportunities to gain exposure to diverse situations and build strong, quality relationships across the organization. 

Education & Experience 

• Bachelor's degree in Accounting, Finance, Management Information Systems, or Business Administration.  Professional certifications such as CIA, CPA, or CISA preferred. 
• Generally, three to five years of risk management experience preferred. 

Preferred Skills

• Advanced understanding of business processes, financial reporting, and IT risks, processes, and controls. 
• Knowledge of Corporate Governance, SOX requirements, and leading frameworks such as COSO and CoBIT. 
• Strong ability to research regulations, summarize requirements, and identify compliance gaps. 
• Proficiency with Microsoft Office Suite and working knowledge of SharePoint. 
• Ability to analyze industry trends and apply relevant tools appropriately. 
• Strong written and verbal communication skills and ability to produce highquality deliverables. 
• Adaptable, flexible, and able to work in a dynamic environment. 
• Ability to travel to branch offices, AgFirst, and other facilities as needed. 
• Regular, predictable, and reliable attendance required. 

Who are we?

Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of Horizon Farm Credit, you have the opportunity to make a meaningful impact on agriculture and rural communities.

What can we offer you?

We offer competitive compensation and benefits packages for fulltime employees including:

• Medical insurance with dental and vision care options
• 401(k) with significant employer matching
• Paid time off, holidays, and volunteer time
• Tuition reimbursement and training opportunities
• Student loan reimbursement
• Leadership and career development opportunities
• Paid maternity and bonding leave
• Fun, inclusive, and supportive work environment

Salary Range: $70,000 - $110,000, depending on previous experience. Opportunity to earn additional incentive. 

Equal Opportunity Employer, including veterans and individuals with disabilities.