Credit Analyst Internship- Bank in Toano, Virginia at C&F Bank Operations Center

Overview

At C&F, we are Focused on You, Too! Join our dynamic team at C&F for an exciting internship program, where you'll gain hands-on experience in credit analysis, risk management, and financial strategy, while working alongside industry-leading experts at a Top Workplace and a 99-year-old community bank with a strong reputation of serving communities across the Commonwealth.

The C&F Bank internship program offers undergraduate students an opportunity to gain exposure to the inner workings of Commercial and Industrial (C&I), Commercial Real Estate (CRE), Consumer, and Small Business Lending. During the summer, students participate in our comprehensive program where they will receive training and develop their skills and knowledge under the guidance of experienced professionals at C&F Bank.

Responsibilities

Interns will play a crucial role in supporting Consumer, Business, and Commercial Credit Analysts, by diving into financial analysis, assessing credit information, and contributing to the creation of impactful credit presentations that shape key business decisions.

• Participate in Training Program to include shadowing, case studies, team training, and one-on-one trainings with established analyst teams and managers.

• Learning Product Suite and competitive advantages of all three product lines.
• Learning how to calculate Financial Metrics to include Debt-to-Income, Loan-to-Value, Debt Service Coverage Ratio, etc.
• Learning how to interpret financial documents and credit reports.
• Introduction to Credit Analysis, financial spreads, and preparation of Credit Memos
• Consumer, Business, and Commercial (CRE and C&I) analysis
• Investment Real Estate and Proforma analysis
• Both independent and team contributions to live deals
• Research, develop, and present a Capstone project to management

Qualifications

Education and Experience:

• You are studying in analytical disciplines related to Finance, Business Administration, Accounting, Economics, Real Estate, or another related field.
• To be considered, you must be a rising junior or senior in an accredited undergraduate program.
• You are enrolled in, or have completed, accounting classes and have a thorough understanding of balance sheet and income statement categories and comprehension about how balance sheet and income statement values interact.
• You are confident problem solvers with strong analytical skills and the ability to communicate an understanding of your findings.
• You are passionate and hardworking, with a desire to learn.
• This position is in Richmond, VA and Toano, VA, which is a 40-minute commute from Richmond. Travel is required.
• This is a paid internship.
• This is a 12-week program beginning 5/18 and ending 8/7, 2026.

Knowledge, Skills, and Abilities: Excellent communication, organizational, and analytical skills are required to perform successfully in this role. Must be able to effectively utilize technology tools, such as PC and MS Office. Ability to communicate effectively with people at all levels is required. Must be effective with time management and be detail oriented.

Travel

Must be able to travel between Richmond and Toano, Virginia.

Physical demands:

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking.

Work Environment:

Work is performed onsite in an operational office environment.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.

Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.