Enterprise Credit Summer Analyst Program - 2027

Bank of America; Charlotte (NC); On-site; USD 223,200 - 279,000; Full time

Job summary

Bank of America is offering an internship for an Enterprise Credit Summer Analyst in Charlotte, North Carolina. The program provides extensive training and hands-on work over a 10-week period, allowing interns to support credit teams by analyzing financial information and mitigating risks.

Ideal candidates are in their penultimate year with a strong analytical mindset and a minimum GPA of 3.5. Various skillsets including teamwork and proficiency in Microsoft Office are preferred.

Qualifications

• Candidates should be in their penultimate year of school.
• Master's candidates should not have more than 0 years of experience.
• Minimum GPA of 3.5 preferred.

Responsibilities

• Analyze financial information to assess creditworthiness and risk drivers.
• Complete cash-flow, trend, and scenario analyses.
• Support loan structuring discussions and assist with documentation.

Skills

Strong analytical and problem-solving skills

Attention to detail

Teamwork and leadership experience

Proficiency in Microsoft Office (Excel, Word, PowerPoint)

Education

Bachelor's degree or Bachelor's direct-to-Master's degree

Finance, Accounting, Economics, Business Administration/Management, or related majors

Job description

Program Overview

Program Name: Enterprise Credit Summer Analyst Program - 2027

Program Purpose & Objectives: Provide broad exposure to credit underwriting, monitoring, business controls, and credit data management routines across Enterprise Credit, while building technical, analytical, and professional skills through hands‑on work, training, and mentorship.

Duration & Structure: 10-week summer internship with formal training at the start of the program, followed by on‑the‑job learning supported by events, mentorship, and development programming throughout the summer.

Role Overview

Role Title: Enterprise Credit Summer Analyst (Intern)

Role Purpose: Support credit teams by analyzing financial information, identifying and mitigating credit risks, and contributing to underwriting, monitoring, business controls, and credit data initiatives aligned to one of the program tracks.

Key Responsibilities

• Analyze client, company, and/or transaction financial information to assess creditworthiness and risk drivers.
• Complete cash‑flow, trend, and scenario analysis to evaluate the ability to incur and repay obligations.
• Support loan structuring discussions and assist with documentation and approval materials.
• Review and evaluate collateral and ensure requirements are met in accordance with policy and procedures.
• Participate in client or internal partner meetings/calls to develop portfolio, product, and business knowledge.
• Contribute to monitoring, reporting, data management, and/or process and control optimization activities depending on track alignment.

Day-in-the-Life

Over the 10‑week program, interns are paired with experienced credit professionals and complete assignments based on their portfolio and track alignment. Typical work includes financial statement and industry analysis, underwriting and monitoring support, participation in deal or client discussions, and contributions to credit data, process, and control initiatives. Interns also participate in formal training, networking, and mentorship throughout the program.

Program Tracks (2027)

• Track 1 - Business Enablement & Credit Data Optimization (Bus En & Credit Data Opt)
• Track 2 - Global Wealth & Investment Management Credit (GWIM)
• Track 3 - Asset Based Finance, Global Commercial Banking Credit & Commercial Real Estate Credit (ABF, GCB, CRE)
• Track 4 - Global Credit for Corporate & Investment Banking, Markets, Leveraged Finance (GCIB, GMC, LevFin)

Educational Requirements

Minimum Education: Bachelor's degree or Bachelor's direct‑to‑Master's degree from an accredited college or university.

Degree Type: Bachelor's Degree or Bachelor's direct‑to‑Master's degree.

• Considered candidates should be in their penultimate year of school.
• Master's candidates should not have more than 0 years of experience.

Graduation Dates: December 2027 - July 2028.

Major/Course of Study: Finance, Accounting, Economics, Business Administration/Management, or related majors.

GPA: 3.5 minimum GPA preferred.

Sponsorship

Bank of America is unable to consider candidates who will require visa sponsorship now, or in the future, for this specific role.

Preferred Skillsets

• Strong analytical and problem‑solving skills with attention to detail.
• Intellectual curiosity, operational excellence mindset, and strong work ethic.
• Strong verbal and written communication skills and professionalism.
• Teamwork and leadership experience.
• Proficiency in Microsoft Office (Excel, Word, PowerPoint).

Additional Information (Optional)

Work Location(s): Locations vary by track and may include Atlanta, Boston, Charlotte, Chicago, Dallas, Houston, Los Angeles, New York, San Francisco, and Seattle.