Field Exam and Credit Intern

Internship Overview
Oxford Bank is seeking a motivated college intern to participate in a multi-departmental summer internship supporting Business Credit, Audit, and Oxford Commercial Finance (OCF). This role is designed to provide meaningful exposure to the commercial loan lifecycle, combining traditional business credit with commercial finance products, including Asset-Based Lending (ABL) and Factoring.

Building on Oxford Bank’s collaborative and client-focused credit model, the intern will support underwriting, portfolio, audit, and commercial finance activities while gaining hands-on insight on how commercial loans are analyzed, processed, monitored, and supported across the organization.

Job Summary
Oxford Bank has created a unique and collaborative approach to serving Business Banking and Commercial Finance clients. Our credit, audit, and OCF teams work in parallel processing environments, partnering closely with Relationship Managers and Operations teams to deliver an exceptional client experience throughout underwriting, closing, and loan administration.

This intern’s primary focus will be to support credit and commercial finance teams through analytical, organizational, and project-based work, while also gaining exposure to audit and field examination concepts that support risk and mitigation and portfolio quality.

Primary Responsibilities & Learning Areas
• Support the Business Credit team in reviewing and analyzing borrower financial information.
• Assist in preparing financial spreads using internal spreading tools based on client-provided data.
• Learn the fundamentals of commercial underwriting, including how credit decisions are evaluated and approved.
• Observe and assist with annual loan reviews, credit file preparation, and covenant tracking.
• Participate in credit and team meetings to gain exposure to risk assessment and portfolio management.
• Gain foundational knowledge of working capital lending products, including:
o Asset Based Lending (ABL)
o Factoring
o Borrowing Base Certificates (BBC)
o Advance rates and collateral eligibility
• Assist with basic collateral and reporting analysis, such as:
o Accounts receivable aging reviews
o Inventory reporting summaries and trend identification
• Learn key differences between traditional business banking credit and commercial finance structures, including monitoring requirements.
• Support Audit and Field Exam activities by assisting with:
o Exam preparation and document organization
o Review of supporting collateral documentation
o Basic walkthroughs of accounts receivable and inventory testing concepts
• Gain exposure to audit practices related to risk mitigation, internal controls, and documentation standards.
• Develop awareness of fraud risk indicators and compliance considerations within commercial lending environments.
• Participate actively in cross-departmental meetings and learning sessions.
• Assist with departmental projects and portfolio support initiatives.
• Use Microsoft Excel and Word to organize data, support analysis, and prepare documentation.
• Handle confidential client and bank information with professionalism and discretion.
• Complete assigned learning activities, summaries, or projects tied to the internship program.
• Build a foundational understanding of how Business Credit and Oxford Commercial Finance work together to support clients and manage risk.
• Other duties as assigned.

Qualifications and Skills
• Strong interest in commercial banking, credit analysis, audit, or commercial finance.
• Demonstrated analytical and problem-solving skills.
• Effective written and verbal communication skills.
• High level of attention to detail and accuracy.
• Ability to handle confident and sensitive information with professionalism.
• Willingness to learn complex financial, credit, and operational concepts.
• Proficiency in Microsoft Office products.
• Professional demeanor in a corporate environment.
• Ability to follow established processes and procedures.

Education and Experience
• High School Diploma or equivalent required.
• Third- or fourth-year students pursuing Bachelor’s degree in Finance, Accounting, or Economics required.
• Prior internship experience, relevant coursework, or academic projects related to finance, accounting, or business preferred.
• No prior commercial banking, credit, or commercial finance experience required – this is a learning focused internship.

*This position will comply with all BSA compliance laws and regulations including the Bank’s BSA policy and procedures.

Additional Information
Department: Oxford Commercial Finance • Reports to: Field Exam Manager • Travel: No
Classification: Non-exempt • Employment Type: Temporary Worker • Supervises: None

“Oxford Bank is an equal opportunity employer and is committed to providing equal employment opportunities and an environment free of discrimination and harassment. All employment decisions at Oxford Bank are made without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, veteran or disability status.”