2027 BNY Analyst Program – Credit and Lending - (New York, NY)

BNY; New York (NY); On-site; USD 52,000 - 95,000; Full time

Job summary

BNY’s Credit and Lending Practice offers a 24‑month Analyst Program focused on credit analysis, underwriting, portfolio monitoring, and transaction support. Analysts gain hands‑on exposure through strategic projects, reporting, and documentation while learning lending fundamentals and risk management in a fast‑paced environment.

New joiners participate in structured induction, mentorship, and cross‑practice exposure, building core skills to navigate early careers within BNY’s global franchise.

Qualifications

• Ability to analyze financial statements and ratios to assess credit quality.
• Ability to evaluate risk indicators and industry trends for borrower assessments.
• Strong analytical thinking and structured problem solving in a fast-paced environment.
• Understanding of underwriting fundamentals and deal structuring considerations.
• Awareness of regulatory frameworks and risk management in lending.

Responsibilities

• Analyze company financials, industry trends, and key risk indicators to support borrower and transaction assessments.
• Assist with credit materials, portfolio reviews, and reporting that help teams evaluate opportunities and monitor exposures.
• Learn how deal structures are built and how lending decisions balance growth, risk, and client needs.
• Partner with experienced professionals to understand how disciplined underwriting supports resilient client relationships.

Skills

Financial analysis

Credit risk

Analytical judgment

Underwriting

Regulatory risk

Job description

2027 BNY Analyst Program – Credit

• Analyze company financials, industry trends, and key risk indicators to support borrower and transaction assessments.
• Assist with credit materials, portfolio reviews, and reporting that help teams evaluate opportunities and monitor exposures.
• Learn how deal structures are built and how lending decisions balance growth, risk, and client needs.
• Partner with experienced professionals to understand how disciplined underwriting supports resilient client relationships.

Job Description

BNY’s Credit and Lending Practice plays a key role in supporting client financing needs while maintaining strong credit discipline and risk management across the firm. The Credit Analyst Program offers driven students hands‑on exposure to the practice through strategic projects aligned to credit analysis, underwriting, portfolio monitoring, transaction support and process improvement. In a fast‑paced environment, analysts will gain insight into the credit lifecycle, support financial analysis, reporting and documentation, and build an understanding of lending fundamentals, credit risk and the role sound judgment and partnership play in effective credit decisions.

What you will do

• Analyze company financials, industry trends, and key risk indicators to support borrower and transaction assessments.
• Assist with credit materials, portfolio reviews, and reporting that help teams evaluate opportunities and monitor exposures.
• Learn how deal structures are built and how lending decisions balance growth, risk, and client needs.
• Partner with experienced professionals to understand how disciplined underwriting supports resilient client relationships.

Skills you will build

• Financial statement and ratio analysis
• Credit and risk assessment
• Analytical judgment and structured problem solving
• Underwriting and deal‑structuring fundamentals
• Regulatory and risk‑awareness mindset

Impact you will have at BNY

• Support informed lending decisions that are grounded in analysis and sound risk management.
• Help teams monitor portfolio health and surface insights that matter to decision-makers.
• See how finance and risk disciplines enable BNY to serve clients responsibly.

Why this could be a fit for you

This role is ideal if you enjoy digging into the “why” behind numbers, making evidence‑based recommendations, and building finance skills with clear real‑world relevance.

Analyst Program

Our 24‑month rotational Analyst Program is designed to set you up for success from day one. New joiners take part in a structured induction experience to help them assimilate into BNY, learn about the organization, connect with peers and leaders, and build the core skills needed to navigate their early career with confidence.

From day one, analysts are immersed in BNY's collaborative and innovative culture through:

• Enterprise‑wide onboarding and development programming, including an in‑person immersive induction experience, executive speaker series, skill development, and networking opportunities.
• Meaningful project work aligned to key business practices and platforms, providing hands‑on experience, skill development, and real‑world business impact.
• Structured mentorship and career support from managers, senior leaders, peer mentors, business stakeholders, and dedicated program managers.
• Exposure across practices, platforms, and teams, building a broad understanding of BNY's integrated business model.
• Professional, technical, and financial services training designed to strengthen business acumen and prepare participants for long‑term career success.
• A premier early‑career experience, backed by senior leadership and designed to develop the next generation of talent for BNY's global workforce.

Program Eligibility

• Enrollment in a 4-year undergraduate degree program with a strong focus on business-related and/or technology-related majors preferred
• Graduating in Dec 2026 or May 2027 (U.S.)
• Minimum cumulative GPA of 3.0 or better
• Does not require sponsorship for employment visa status (now or in the future) in the country where applying.

At BNY, our culture speaks for itself, check out the latest BNY news at:

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Here’s a Few Of Our Recent Awards

• America’s Most Innovative Companies, Fortune, 2025
• World’s Most Admired Companies, Fortune 2025
• “Most Just Companies”, Just Capital and CNBC, 2025

Our Benefits And Rewards

BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.

BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.

BNY assesses market data to ensure a competitive compensation package for our employees. The base salary for this position is expected to be between $52,000 and $95,000 per year at the commencement of employment. However, base salary if hired will be determined on an individualized basis, including as to experience and market location, and is only part of the BNY total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, short and long-term incentive packages, and company‑sponsored benefit programs.

This position is at‑will and the Company reserves the right to modify base (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team.