Business Loan Credit Analyst Intern

About the Role

Royal Credit Union is seeking a Business Loan Credit Analyst Intern to analyze financial information, support credit decisions, and gain hands‑on exposure to commercial lending and risk assessment alongside experienced professionals. All applicants must be located in the Chippewa Valley Area, be enrolled at a university or technical college for the full 12‑month internship, and be able to work onsite at the Royal Credit Union Corporate Center in Eau Claire, WI.

What You’ll Do

The intern provides support to the Credit and Business Loan Departments while gaining practical experience in commercial lending, credit analysis, financial statement review, and risk assessment. Responsibilities include reviewing borrower financial monitoring submissions for accuracy and completeness, spreading financial statements, and completing special projects as assigned. Through mentorship, the intern will develop an understanding of commercial lending principles, financial analysis, credit risk management, and Royal Credit Union’s lending philosophy, processes, and practices.

Intern Responsibilities

• Assist with credit analysis, underwriting, and portfolio monitoring by reviewing borrower financial information, loan applications, tax returns, bank statements, and supporting documentation for completeness and accuracy.
• Complete financial statement spreading, cash flow analysis, covenant testing, and related financial reviews.
• Research borrowers, industries, market trends, and peer performance to support underwriting and risk assessment.
• Prepare and organize credit presentations, annual reviews, renewals, loan reviews, third‑party reports, and other underwriting documentation while ensuring information is accurate, consistent, confidential, and aligned with department standards.

Qualifications

• Enrolled at a university or technical college throughout the internship, pursuing a degree in Finance, Accounting, Economics, Business Administration, Agricultural Business, Banking, or a related field.
• Interest in commercial lending, finance, or credit analysis, with a basic understanding of financial statements.
• Strong analytical and problem‑solving abilities, attention to detail, and a commitment to accuracy.
• Outstanding organizational and interpersonal skills; ability to prioritize workload and work both independently and collaboratively.
• Strong verbal and written communication skills, professionalism, and ability to maintain confidentiality of member and organizational information.
• Proficiency with Microsoft Office applications and willingness to learn new technologies and systems.
• Previous experience in customer service, office, banking, accounting, or finance‑related environments is a plus.

Work Schedule

Approximately 12–15 hours per week during the school year and 30–40 hours per week during the summer. Variable hours between 8:00 am – 5:00 pm, Monday through Friday, based on class schedule. Must be able to work onsite at the Corporate Center in Eau Claire, WI throughout the school year and during breaks. The internship runs from January 2027 through January 2028 and is a limited‑term, non‑benefit‑eligible position.

Compensation

$17.85–$19.98 per hour (candidates with significant related experience may be higher).

Training

New team members must attend Foundation Training at the Corporate Center in Eau Claire, WI from 9:00 am – 4:30 pm on Monday and Tuesday of the first week. Out‑of‑town learners may be eligible for reimbursement of travel and lodging expenses per Royal’s reimbursement guidelines. Training covers Royal’s culture, core values, and foundational information to set the stage for success.

Why Royal?

• Member and community focused: dedicated to making a positive impact on members and the communities we serve.
• Supportive environment: collaborative, values‑driven workplace that evolves and supports each other.
• Professional growth: numerous opportunities for training and advancement.
• Empowerment: team members are encouraged to make decisions and drive initiatives.
• Community involvement: engage with local initiatives and events to make a tangible difference.