Credit Underwriting Intern

Credit Underwriting Internship

Dates: May 18, 2025 – July 31, 2025
Location: Atlanta, Georgia

About Us

Hive Financial Systems is a leading fintech company transforming financial inclusion through AI-driven lending technology. We power 3 active lending partners serving 70,000+ active consumers, building the infrastructure that enables responsible lending to underserved markets.

Internship Overview

As a Credit Underwriting Intern, you will gain hands-on exposure to the fundamentals of credit analysis, underwriting processes, and risk management within consumer lending. You will work directly with our underwriting, analytics, and operations teams to evaluate borrower profiles, assess creditworthiness, and learn how technology is shaping modern lending practices.

This is a structured internship designed to give you practical skills, mentorship, and project-based experience in credit underwriting and financial decision-making.

Key Responsibilities

• Conduct preliminary analysis on applicant creditworthiness using company tools and models.
• Help identify patterns and red flags in borrower data that may impact loan decisions.
• Support development of borrower profiles, scorecards, and risk summaries.
• Partner with analytics team to measure underwriting performance and portfolio health.
• Participate in case studies and mock credit committee discussions.
• Collaborate on special projects related to improving underwriting efficiency and accuracy.
• Document underwriting processes and prepare reports for management.

Learning Outcomes

By the end of the internship, you will have gained:

• A strong understanding of credit risk fundamentals and sub-prime lending dynamics.
• Experience interpreting credit reports, financial documents, and alternative data.
• Insight into how fintech platforms streamline and scale underwriting.
• Exposure to decision-making frameworks balancing risk and growth.
• Practical skills in financial analysis, risk assessment, and compliance considerations.

Qualifications

• Current undergraduate or graduate student in Finance, Economics, Business, Statistics, Accounting, or related field.
• Junior/Senior or Masters Student
• Strong analytical, quantitative, and problem-solving skills.
• Detail-oriented with the ability to manage multiple tasks in a fast-paced environment.
• Familiarity with financial statements and credit concepts preferred.
• Proficiency with Excel; exposure to SQL, Python, or data tools is a plus.
• Interest in fintech, consumer lending, and credit risk management.

Additional Information

• Mentorship: Interns will be paired with a mentor from the credit team and will present a project at the end of the program.