The Enterprise Credit program has six tracks to support the eight lines of business. The tracks include: 

Consumer Credit 
Global Wealth & Investment Management Credit (Supporting our Merrill and Private Bank clients) 
Global Commercial Banking (GCB), Asset Based Finance and Commercial Real Estate Credit 
Global Corporate & Investment Banking and Global Markets Credit 
Leveraged Finance Credit – Acquisition Finance 
Data and Analytics and Business Controls/Process Optimization 
This job requisition is for the Consumer Credit track. 

Consumer Credit: 

The Consumer Credit team is responsible for credit related strategies, policies and procedures, risk detection and portfolio management. In addition, the team oversees the underwriting and fulfillment of Home Loans, Consumer Card, Consumer Vehicle, Small Business Card and Merchant Services products for Retail, Preferred, Private Bank and Merrill Lynch Wealth Management clients. 

Candidates for this track need an understanding of finance and accounting principles, business management and process/controls. 

The Consumer Credit Data and Analytics teams perform a wide variety of functions, including data analytics, forecasting, capacity planning, reporting and process optimization. The team supports the Consumer Credit organization with data and process requirements and management routines to ensure the business runs at optimal performance. 



What to expect day to day 

Over the 10-week program, you will participate in a variety of day-to-day activities. You will be paired with a team of professionals in our Consumer Credit business. Potential activities include: 

Analysis of financial information, identification/mitigation of potential risks and compliance with regulatory requirements. 
Participate in the data management process to understand how credit data is used internally. 
Develop and design data driven strategies by leveraging proven enterprise data, resources and tools to develop and enhance statistically sound strategies. 
Deliver and enable product level performance insights to help drive responsible growth and business performance. 
Transform complex data into engaging, easy-to-understand narratives. Develop visualizations (charts, graphs, etc.) and interactive reports and communicate findings with business partners and executive leadership. 


Locations 

Charlotte 

Qualifications 

Students must be pursuing a Bachelors or Bachelors direct to Master’s degree from an accredited college or university with a graduation timeframe between November 2026 and August 2027 
3.2 minimum GPA preferred - A history of high achievement 
Common areas of study include but are not limited to: 
Personal/Corporate Finance 
Business Administration 
Accounting 
Information Systems 
Economics 
Other related majors 
Candidates should possess a high level of intellectual curiosity, a drive for operational excellence, and a commitment to achieving sustainable results. Additionally, students should hold strong academic and technical skills in Microsoft Office as well as show proficiencies in leadership, teamwork, problem solving & analytical skills, verbal and written communication, and professionalism.