Intern (Artificial Intelligence & Credit Risk Analysis)

Blue Ridge Bank (the Bank) is partnering with the Virginia Bankers Association (VBA) to offer high-impact summer internships designed for students who want real experience real responsibility and a real path into the banking industry. Through hands-on projects in-person training and exclusive networking events interns will gain exposure to the world of community banking.

This program is a strong fit for students who like working with numbers solving problems and using data to understand how businesses make decisions. Whether youre interested in credit analysis financial reporting data management or commercial banking strong quantitative skills will help you stand out and make an impact from day one.

Eligibility: Must be 18 years of age.

Work onsite for 40 hours a week May 26 August 7.

Location: Richmond VA Bayberry Office

Reporting to the Chief Credit Officer

THERE ARE 3 INTERNSHIPS OPPORTUNITIES PLEASE APPLY TO EACH IF INTERESTED IN MORE THAN ONE.

We are looking for a curious driven and technically minded intern to join our Credit Risk & Innovation this role you will explore and develop ways to leverage Artificial Intelligence (AI) and Machine Learning (ML) to enhance our credit risk analysis processes improve decision-making accuracy and drive efficiency across the credit lifecycle.

This is a hands-on high-impact internship where your work will directly contribute to real business outcomes.

In addition to the Intern Responsibilities outlined below this internship will focus on following line of business responsibilities.

Key Responsibilities:

Research & Discovery

Research state-of-the-art AI/ML techniques applicable to industry and company research on operating performance and outlook

Identify pain points in current credit analysis workflows that AI could address and make simpler faster and smarter

Experiment with techniques such as:

o Natural Language Processing (NLP) for analyzing borrower documents financial statements or news signals

o Generative AI for report automation and data augmentation

Data Analysis

Analyze financial behavioral and alternative data sources to identify predictive signals

Perform feature engineering to extract meaningful variables from raw data

Ensure data quality integrity and bias awareness throughout analysis

Innovation & Strategy

Propose AI use cases that can improve:

o Credit decisioning speed and accuracy

o Early warning systems for portfolio deterioration

o Explainability of risk decisions (XAI)

o Regulatory and Credit Policy compliance automation (e.g. model documentation)

Prepare presentations and reports summarizing findings for senior stakeholders

Collaboration

Work closely with credit analysts compliance teams

Participate in team meetings sprint reviews and knowledge-sharing sessions

Qualifications:

Skills

Proficiency in Python (pandas scikit-learn TensorFlow/PyTorch)

Understanding of supervised/unsupervised learning fundamentals

Strong quantitative and problem-solving abilities

Ability to clearly explain technical findings to non-technical audiences

Familiarity with credit risk concepts (PD LGD EAD Basel frameworks)

Experience with SQL and data manipulation at scale

Knowledge of explainable AI tools (SHAP LIME)

Exposure to LLMs or Generative AI (e.g. GPT APIs LangChain)

Experience with cloud platforms (AWS Azure GCP)

Prior coursework or projects in FinTech banking or financial modeling

Years of Experience

Currently pursuing a degree in computer engineering data science or data analytics

Internship or any training related to Artificial Intelligence (AI) and Machine Learning (ML) will be valued

Demonstrated academic excellence in business-related courses

Internship Responsibilities:

Commitment to understanding the overall concept of the company including the brand customer product goals and all other aspects of service.

Accept designated business-focus projects to research propose ideas and solutions and present final projects during the internship.

Complete a capstone project and present it to bank leaders and external participants.

Engages with customers or clients and provides service and/or sales under direct supervision.

Provide suggestions to management for improving customer service and internal processes.

Learn and become proficient in internal software systems.

Attends all required in-person VBA hosted training and events including but not limited to Intern Orientation: May 28 and the Mid-Summer meet up on July 7 2026.

Other tasks as assigned.

Create value for the bank and its employees