Job Description

Job Description Summary

Follow established procedures to perform tasks and receive general guidance and direction to perform other work with substantial variety and varied complexity. Some judgment is required to adapt procedures, processes, and techniques to apply to more complex assignments.

Job Description

Raymond James Overview

One of the largest independent financial services firms in the country could be the place you build a career beyond your expectations.

Our focus is on providing trusted advice and tailored, sophisticated strategies for individuals and institutions. Raymond James Financial is a diversified holding company, headquartered in St. Petersburg, FL. Raymond James provides financial services to individuals, corporations and municipalities through its subsidiary companies engaged primarily in investment and financial planning, in addition to capital markets and asset management.

At Raymond James, we are putting the power of perspectives into action and building an inclusive and diverse workforce that reflects our commitment to associates, and clients of the future. Our company values associate development and growth, offering opportunities through developmental programs, mentorships, and continuing education options.

We strive to ensure everyone feels welcomed, valued, respected, and heard so that you can fully contribute your unique talents for the benefit of clients, your career, our firm, and our communities. Raymond James is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

Internship Program Overview

Raymond James is the place where good people grow and nowhere is that better demonstrated than in our internship program. During the immersive experience, you will engage with and implement the firm’s core values through our five guiding behaviors. Featuring comprehensive orientation, onsite and remote training sessions in professional development, networking events, a speaker series, and volunteer opportunities, you will be equipped with knowledge of the business and culture to help you build relationships and develop skillsets for the internship and your future.

To be eligible for the summer 2026 internship program, you must be a junior standing candidate pursuing a bachelor's or master's degree with a graduate date of May 2027. Most positions are based in St. Petersburg with other available locations depending on company need.

Candidates who successfully complete the internship program have the opportunity to transition into a full-time role at Raymond James after graduation.

Department Overview

Raymond James Bank’s Corporate & Real Estate Banking division manages a portfolio of syndicated and direct loan commitments to borrowers located primarily in the U.S. and Canada. The team of professionals that makes up the Corporate & Real Estate Banking group is dedicated to purchasing and originating corporate (“C&I”) and commercial real estate (“CRE”) loans. The CRE Business Unit focuses on institutional-quality lending, including syndicated loan arrangements (secured by both Project Secured Loans and facilities to Real Estate Investment Trusts “REITs”), as well as direct lending to RJF clients.

Job Summary

Operating under general supervision, th e internship candidate should be able to demonstrate knowledge and skills obtained through education, training and / or prior internships to assist with both the underwriting of new Commercial Real Estate (“CRE”) transactions, as well as monitoring an active portfolio of existing CRE loans. This role resides at Raymond James Bank, a wholly owned subsidiary of Raymond James Financial (NYSE: RJF / Fortune 400). Specifically, the position will be located at Raymond James Bank’s Home Office in St. Petersburg, FL, where you’ll work alongside a seasoned team of CRE professionals, including both Banking Officers and other Credit Associates.

We are looking for individuals who are passionate about modeling CRE cash flows and assessing risk across a range of institutional CRE asset types - retail, industrial, multifamily, hospitality, senior housing, student housing, data centers, and self-storage assets, REITs, and more! Above all, we value individuals who are enthusiastic, hardworking, eager to learn, and can thrive in a team-oriented environment.

Start Date: June 1 , 2026

End Date: August 7 , 2026

Work Schedule: Monday through Friday, up to 40 hours per week.

Duties and Responsibilities

• Research and analyze financial statements, interpret findings, and prepare various reports for senior management

• Prepare detailed Cash Flow projections at both the REIT and project level utilizing Excel and third-party modeling software (i.e., Argus)

• Perform research to evaluate new loan transaction opportunities, utilizing third party diligence tools, etc.

• Prepare and deliver written and oral presentations relating to CRE transactions

• Maintains accurate and organized documentation and monitors compliance with terms of loans and accounts

• Joins in deal discussions as is related to potential syndicated and direct loan opportunities

• Performs other duties and responsibilities as assigned

Knowledge, Skills, and Abilities

Knowledge of

• Concepts, practices and procedures of CRE credit analysis

• Finance and/or accounting principles, practices and procedures

Skill in

• Reading, interpreting, analyzing and applying information from credit reports, rent rolls, and appraisals

• Researching, interpreting and analyzing complex financial statements

• Excel modeling and computation to generate Cash Flow projections

• Maintaining documentation files

• Monitoring compliance on loans and accounts

• Preparing and delivering oral and written presentations

• Performing market and transaction due diligence

• Operating standard office equipment and using required software applications

Ability to

• Manage multiple tasks with changing priorities to meet deadlines in a fast-paced environment with frequent interruptions

• Partner with others to accomplish objectives

• Attend to detail while maintaining a big picture orientation

• Interpret and apply policies

• Establish and maintain effective working relationships with others

Educational/Previous Experience

• Junior standing (December 2026-May 2027 graduates) pursuing a bachelor’s degree in business, finance, or related field.

• Any equivalent combination of experience, education, and/or training approved by Human Resources.

Licenses/Certifications

• None required.

Location

• Resident - St. Petersburg, FL

• No travel required.

Education

High School (HS)

Work Experience

General Experience - 4 to 6 months

Workstyle
Resident

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James - as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

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