Credit Internship

Bradesco Bank; Coral Gables (FL); On-site; USD 25,000 - 35,000; Full time

Job summary

Bradesco Bank seeks a motivated Credit Intern in Coral Gables, FL to gain exposure across credit governance, analysis, and LOS initiatives. You will work under the Senior Credit Officer and collaborate with cross-functional teams to support governance, documentation, and data-driven improvements.

The role targets candidates pursuing degrees in finance, accounting, economics, or related fields. Strong English communication is required; Spanish/Portuguese is a plus.

Qualifications

• Currently pursuing a bachelor’s or master’s degree in finance, accounting, economics, business administration, information systems, or data analytics.
• 0–1 years of relevant internship experience preferred but not required.
• Strong English communication skills; Spanish/Portuguese a plus.

Responsibilities

• Support credit governance framework maintenance, policies, and procedures.
• Assist with governance trackers, logs, and management reporting.
• Review documents for accuracy and alignment with credit terms.
• Prepare materials for credit committees and internal reviews.
• Support credit analysis, portfolio monitoring, and data validation.
• Document decisions and follow-up actions across credit workstreams.
• Assist with LOS data validation and automation initiatives.
• Develop dashboards and management reports using Excel and PowerPoint.

Skills

Organizational skills

Analytical skills

Critical thinking

Written and verbal communication

Multitasking

Team collaboration

Attention to detail

Learning mindset

Education

Finance

Accounting

Economics

Business Administration

Information Systems

Data Analytics

Tools

Microsoft Excel

Microsoft PowerPoint

Microsoft Outlook

Microsoft Word

Data visualization tools

Job description

Only candidates with US Work Authorization will be considered.

Type of Internship

1 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 Summary

The 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.

Primary Responsibilities

Credit Governance and Oversight

• Support 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 Monitoring

• Assist 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 Support

• Assist 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 Initiatives

• Support 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.

Qualifications

• Strong 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 Experience

Student / 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 Skills

Strong written and verbal communication skills in English. Spanish and/or Portuguese is a plus.

Equal Employment Opportunity Statement

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. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.