Credit Analyst Intern - Regional Agribusiness (Sacramento)

Benefits Overview

CoBank interns get real-life exposure to the daily duties of their group. They spend the summer as a valued member of their respective team, learning business skills and assisting with a variety of projects that have an impact on the bank's operations. An additional focus of the summer intern will be to complete a capstone project that will seek to add value to the team they are supporting.

Remarkable Benefits Offered by CoBank

• Careers with a purpose
• Time-Off Package: 2 days of vacation; accrued sick time
• Competitive Compensation & Housing Stipend
• Hybrid work model: flexible arrangements for most positions
• Robust training and development with CoBank University
• Associate Resource Groups: creating a culture of respect and inclusion

Job Description

Internship Dates

• Start Date: May 27, 2026
• End Date: August 7, 2026

What You'll Do

Over your 10-week paid internship, our Credit Analyst Interns will analyze balance sheets, cash flow, profitability, liquidity, and solvency statements for commercial credit reports. Interns will engage in a range of portfolio management tasks, including addressing compliance, finance, legal, and closing-related issues. You'll develop your analytical skills through hands-on training, mentorship, and support from a network of peers. Additionally, interns will complete a capstone summer project, which may involve industry research, portfolio analysis, market snapshots, or general economic outlooks.

About the Regional Agribusiness Banking Group (RABG)
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.

This role is hybrid, interns will come into their designated office at least 3 days a week.

Interns work approximately 40-hours per week.

Location

• Sacramento

Compensation Information

• Bachelor's Student: $21.75/hour
• Master's Student: $25.85/hour
• Summer Living Stipend: $3,500

Essential Functions

This job description is not intended to include an exhaustive list of all responsibilities and qualifications that may be associated with the job. Management reserves the right to add, subtract, or change the duties of the job at any time.

• Spreading Financials
• Analyzing financials
• Building Workbooks
• Writing credit reports
• Participating in credit trainings
• Attending customer visits / events as available
• Conducting research for capstone presentation
• Completing other research projects based on office needs
• Networking and learning about other divisions within CoBank

Education

• Currently enrolled in and working towards a Bachelor's or Master's degree in Accounting, Finance, Economics, Agribusiness, or a related discipline and in good academic standing
• While rising seniors will be given priority, we will consider rising juniors

Work Experience

• Basic understanding of balance sheets, income statements and cash flows
• Strong analytical and financial modeling skills in Excel
• Proficiency in Microsoft Office applications
• Aptitude for learning other software applications
• Ability to perform research across multiple systems
• Ability to work independently and as part of a team
• Strong written and verbal communication
• Experience in agriculture, banking, or financial services industry

About CoBank

The typical base pay range for this role is between $21.75 - $25.85. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance.

The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law.

CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore.

REASONABLE ACCOMMODATION

We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing recruiting@cobank.com. Include your contact information and specific details about your requested accommodation.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time.

CoBank is an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.