Intern - Credit Analyst

SUMMARY:

The Intern participates in a structured 10-week internship program designed to provide comprehensive exposure to banking operations and department-specific functions. The program consists of four weeks of foundational training in banking operations, followed by six weeks of focused experience within a designated department. Through hands-on involvement, cross-training, and guided learning, the intern will develop practical knowledge of community banking, banking processes, compliance standards, technology in banking, and organizational operations. This position will be onsite in our Fort Worth - Hulen location from June 1st to August 7th, 2026.

PROGRAM STRUCTURE

Weeks 1–4: Banking Operations Rotation
During the first four weeks, the intern will gain foundational exposure to branch and call center operations. Responsibilities may include assisting with teller transactions, supporting the information counter, observing new account setup procedures, learning basic lending processes, understanding supervisory functions, and responding to incoming department calls. The intern will also complete assigned training modules and case studies while developing an understanding of TexasBank policies, procedures, and applicable regulations.

Weeks 5–10: Credit Department

During the final six weeks, the intern will transition to the Credit Department. The Credit Analyst Intern supports the Commercial Credit team by assisting with financial spreading, data gathering, research, and credit memorandum preparation for commercial loan and annual review requests. This internship is designed to provide hands on exposure to commercial underwriting, credit policy, portfolio monitoring, and other operational areas of the bank.

JOB DUTIES AND ESSENTIAL FUNCTIONS:

• Assist personnel with operational activities and assigned projects.
• Complete required training modules and case studies within established timelines.
• Participate in cross-training and gain hands-on experience in multiple banking functions.
• Develop an understanding of compliance standards by adhering to TexasBank policies, procedures, and applicable regulations.
• Prepare and submit reports as assigned by a supervisor or management.
• Perform additional duties and special projects to support organizational objectives and operational efficiency.
• Assist with spreading borrower and guarantor financial statement and tac returns into Bank templates and/or spreading tools.
• Support Credit Analysts by compiling information and completing tasks needed for credit requests and annual reviews (financials, entity docs, schedules, etc.).
• Prepares draft sections of credit memorandums (borrower overview, industry summary, financial highlights) for analyst review and refinement.
• Assists with basic cash flow, ratio, and trend analysis; flags missing or inconsistent information for follow-up.
• Research borrower, guarantor, and industry information using public & private sources and summarizes relevant findings for the credit file.
• Shadows Loan Officers and Credit staff on customer calls and site visits as requested/needed
• Supports covenant tracking by gathering statements and calculating simple covenant tests.
• Learns and applies Bank credit policy and regulatory concepts relevant to commercial lending under close supervision
• Assists more expereinced Credit Analysts in interpreting and compiling data from appraisals
• Supports Credit Analysts in filling out a complex underwriting template within Excel, with oversight
• Protects confidential customer information and follows all information security and privacy procedures
• Maintains excellent customer service to internal customers and external customers
• Performs other duties and special projects as assigned.

WORKING CONDITIONS

• Work is performed in an air-conditioned office environment.
• Consistent and timely attendance is required to support operational needs and service standards.

PHYSICIAL DEMANDS

• Ability to sit for extended periods.
• Ability to walk, stand, bend, squat, twist, and reach.
• Ability to perform simple grasping and fine manipulation.
• Ability to perform extended keyboarding.

MINIMUM REQUIREMENTS

Actively enrolled in a bachelor’s degree program in business, finance, banking, or a related field, with junior or senior standing anticipated in the upcoming academic term.
Minimum cumulative GPA of 3.0.
Eligibility to work in the United States.
Strong communication and interpersonal skills.
Effective organizational and time management skills.
Demonstrated eagerness to learn in a professional environment.
Strong attention to detail and ability to follow policies, procedures, and regulatory standards.
Proficiency in Microsoft Word, Excel, and Outlook, with the ability to learn banking systems.

PREFERRED QUALIFICATIONS

Interest in banking compliance, policies, and regulatory standards.
Willingness to participate in cross-training and assume responsibilities across multiple departments.

Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.

We are an Equal Opportunity Employer