Credit Analyst, Regional Agribusiness Intern (Sacramento)

About the role

The Regional Agribusiness Banking Group (RABG) at CoBank serves a diverse portfolio of cooperative agribusinesses - including grain, farm supply, dairy, fruit, nut, and sugar producers - primarily across the Central, East, and West regions of the United States. RABG provides customized financial solutions such as term loans, revolving credit, and equipment or facility leasing to support operational and capital needs. Interns in RABG gain hands-on experience in credit analysis, customer engagement, and strategic research, contributing to impactful projects like portfolio reviews and industry outlooks. This internship provides a pathway to our full-time Credit Analyst Program (CAP) upon graduation.

Benefits

• Time-Off Package: 2 days of vacation; accrued sick time
• Competitive compensation & housing stipend
• Hybrid work model with flexible arrangements
• Robust training and development via CoBank University
• Associate Resource Groups fostering a culture of respect and inclusion

Responsibilities

• Analyze balance sheets, cash flow, profitability, liquidity, and solvency statements for commercial credit reports
• Engage in portfolio management tasks, addressing compliance, finance, legal, and closing-related issues
• Develop analytical skills through hands‑on training, mentorship, and peer support
• Complete a capstone summer project (industry research, portfolio analysis, market snapshots, or general economic outlooks)
• Spread financials
• Analyze financials
• Build workbooks
• Write credit reports
• Participate in credit training
• Attend customer visits/events as available
• Conduct research for capstone presentation
• Complete other research projects based on office needs
• Network and learn about other divisions within CoBank

Requirements

• Expected graduation date between December 2027 and May 2029
• Internship dates: May 24, 2027 – July 30, 2027 (10‑week paid internship)
• Location: Sacramento, CA (hybrid – at least 3 days on‑site per week)
• Work