Credit Analyst Intern

Join Bank of Baroda in Patna as a Credit Analyst Intern. This entry-level internship is designed for finance, commerce and analytics students who want practical, resume-ready experience inside a regulated public sector bank. About the role As a Credit Analyst Intern at Bank of Baroda, your core focus will be credit appraisal, financial spreading and borrower risk assessment. You will be attached to a named mentor, join the team's daily stand-ups and reviews, and be trusted with work that genuinely matters rather than filing and formatting. Questions are encouraged, mistakes are treated as teaching moments, and your output is reviewed properly so you actually improve. What you'll do day to day • Support credit appraisal, financial spreading and borrower risk assessment alongside the core public sector bank team • Work in Excel and the company's internal systems on live financial data • Prepare schedules, reconciliations and reports that go to real reviewers • Research companies, customers, products or regulations as the work demands • Turn your analysis into clear notes and decks for senior stakeholders • Follow the documentation and control standards a regulated business requires • Take part in reviews, ask questions and act on the feedback you receive Skills you'll build You will build practical, demonstrable experience in Credit Appraisal, Financial Statement Analysis, Ratio Analysis, Credit Risk, MS Excel, Loan Underwriting Basics, CIBIL / Bureau Reports, Cash-Flow Analysis, Report Writing, Judgement — the exact toolkit that separates a hireable finance fresher from a CV full of coursework. No prior work experience is required. Curiosity, numerical comfort and care with detail matter far more here than a polished résumé, and every one of these skills is taught on the job. Who should apply Students in their final year or recent graduates from MBA (Finance)/B. Com/M. Com/CA-Inter/Economics based in or willing to work from Patna. You should be comfortable with numbers, willing to learn Credit Appraisal, Financial Statement Analysis, Ratio Analysis, and able to communicate clearly in writing. Relevant coursework, certifications (NISM, CFA L1, GST, Tally) or a strong academic record in Credit Appraisal will strengthen your application, but none of them are mandatory. Internship details This is a 3-month internship in Patna, Bihar, with a stipend of ₹20,000 per month. You will be given a defined project so that you leave with a full credit appraisal note on a live borrower file. Working hours follow the team's normal business hours and the internship includes a certificate on successful completion. You will finish this internship able to read a set of financial statements with confidence, work comfortably in Excel at speed, and explain exactly how your work fed a real business decision. Strong performers are considered for a Pre-Placement Offer (PPO) and a full-time role. How to apply Click Apply Now. If you are not logged in you will be asked to sign in and register first, after which you will be taken to Bank of Baroda's official careers page to complete your application. Applications are reviewed on a rolling basis and seats for this Credit Appraisal-focused internship are limited, so apply early. Responsibilities: Support credit appraisal, financial spreading and borrower risk assessment alongside the core public sector bank team; Work in Excel and internal systems on live financial data; Prepare schedules, reconciliations and reports for senior review; Research companies, customers, products or regulations as required; Present analysis clearly in notes and decks for stakeholders; Follow documentation and control standards required in a regulated business. Requirements: Pursuing or recently completed MBA (Finance)/B. Com/M. Com/CA-Inter/Economics — 2026 freshers & final-year students welcome; Working knowledge of Credit Appraisal, Financial Statement Analysis, Ratio Analysis (or a genuine willingness to learn them); Strong numerical ability and comfort working in MS Excel; Care with detail and the discipline to document work properly; Clear written and verbal communication in English; Based in or willing to work from Patna, Bihar.