Description As a Commercial Real Estate Credit Analyst Intern, you will work closely with the commercial real estate team, credit analysts, and lead decision-makers to support the development and execution of financial projects. You will gain hands-on experience in commercial credit analysis by assisting with the preparation of loan requests, conducting financial assessments, and supporting the recommendation process. This internship will provide exposure to the commercial loan portfolio management process, offering opportunities to learn about credit analysis, risk management, and client servicing. Interns can expect to assist with transactions ranging from $50k to $50MM, gaining valuable insight into the bank's diverse portfolio and strategic financial decisions. Experience More for Your Future As a Commercial Real Estate Credit Analyst Intern, you'll be paired with a formal mentor and gain practical experience solving business challenges, interacting with senior executives, collaborating with teams, and building business acumen. You will: Assist in analyzing financial statements, tax returns, and credit reports for commercial real estate transactions. Contribute to evaluating credit risk and repayment capacity for commercial real estate loans. Gain exposure to the process of preparing loan requests, including assessing property value and financial viability. Work on transactions ranging from $50k to $50MM, supporting the analysis and monitoring of commercial real estate loans and projects. Develop insights into how market trends and property performance impact commercial real estate lending decisions. Our interns develop transferable skills, collaborate with peers and leaders, and build specialized knowledge to jumpstart their careers. You will also be exposed to various departments within the bank, learning about the diverse functions that allow a bank to operate. By the end of the program, you'll understand that banking isn't just about handling money-it's about serving clients, providing solutions for everyday needs, supporting business growth, and managing essential behind-the-scenes operations and systems. The American National Bank Summer Internship Program is a 9-week, paid internship starting on May 27, 2025. Experience Employee Empowerment and Support At American National Bank, our employees are our greatest asset. We pride ourselves on empowering our staff to do more for our clients, colleagues, communities, and their own futures. We're a community bank-small enough to build meaningful relationships, but large enough to make a significant impact locally. We work closely with our staff to maximize their knowledge, skill sets, and opportunities, enabling them to grow personally and professionally. Responsibilities Assist in gathering financial information from clients, such as financial statements, tax returns, and credit reports. Support the analysis of financial data to assess potential risk and repayment capacity of loans. Participate in preparing credit information, including debt service ability and cash flow analysis, to aid in lending decisions. Observe how banking officers evaluate customer quality ratings based on financial performance, industry, and other relevant factors. Assist in the management of annual reviews, portfolio reviews, and monitoring loan performance. Gain insight into the monitoring of customer creditworthiness and adherence to loan terms. Requirements Pursuing a Bachelor or Master's degree in Business, Accounting, Economic, Business or related field preferred. A GPA of 3.0 or above is preferred. Coursework related to financial analysis, business management, or similar fields. Basic understanding of financial statements, credit analysis, and lending principles. Strong written and verbal communication skills. Ability to think critically and work independently in a professional environment. Strong analytical, problem-solving, and critical thinking abilities. Flexible and adaptable to work i a multi-disciplinary team while receiving on-the-job training. Highly organized, able to manage multiple tasks and meet deadlines effectively. Curious, creative thinker, not afraid to ask questions or seek new solutions. Ability to work both independently on projects and collaboratively in a team setting. Strong organizational skills and ability to manage time and projects effectively. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c) EO/AA: American National Corporation (including all affiliates) ( ANC ) is an Equal Opportunity/Affirmative Action (EO/AA) employer. ANC considers applicants for all positions, and employees are treated equally during employment, without regard to race, color, religion, gender, national origin, age, disability, marital status, protected veteran status or any other prohibited basis of discrimination, as provided under applicable state and federal law. Federal and state law obligates us to provide reasonable accommodation to the known disabilities of applicants and employees, unless to do so would pose an undue hardship. Please let us know if you need an accommodation to complete the application process or to perform any essential elements of the position you are applying for. You may do so by contacting the Human Resources Employment Department at hrdept@anbank.com.