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Haha if someone wanted to say something would be super cool ahaha..🙇♂️
If you are a sophomore just starting an internship... I'm gonna go ahead and submit that you don't actually even understand the difference between commercial lending, private credit, or any of the other industries this forum speaks to.
Real advice and feedback for you: take full advantage of the opportunity in front of you and STFU until the end of your internship and you've actually got some knowledge with which you can ask meaningful questions.
It’s a crime to ask the internet questions about finance, in a finance forum? Oh the horror!!! Telling kids online to stfu makes you a cool dude too btw :)
rough way to put it from the guy above but he's got a point. You're young and got a good gig in an area where you can actually get a finger on the pulse of how banks/companies operate on the debt side. The interns at my bank are all getting at least some underwriting experience which is awesome. Don't worry about the exit opportunities, there are plenty. Focus on learning how to read financial statements, understand your credit team's appetite (and why they make certain decisions/lingo and terms they use), how they're pricing loans, the different types of debt facilities, etc. Spend your internship getting as much as you can out of it, so when you are recruiting for your next internship, you have a lot to talk about and some experience on the resume.
Yeah, my response was a rough way to put it. Sorry, not sorry. Kids asking questions like yours are nails on a chalkboard for me. You aren't even out of school yet and you just started an internship and you're already asking about exit opps and ways to break into other finance industries... the differences of which you probably don't understand. And that's not a criticism or being a dick - that's feedback for you to internalize. It took me years of working in finance before I really understood the nuanced differences. Real feedback: don't think you know what you want yet.
Chill out and enjoy the journey. Until and unless you can articulate what exactly it is about commercial lending, private credit, or whatever else that you enjoy or dislike; you actually don't have any business asking for a feasibility analysis on your background and potential to get into other gigs. I'm not trying to be a dick, my real advice is for you to stfu about breaking into other industries until you have learned enough about the finance vertical you are in right now to say why you like it and why you think you'd like private credit or something else even more. Then the experts on this forum can dispel you of your assumptions or confirm your observations.
This is not to suggest you shouldn't ask questions on a finance forum - its a critique of what questions you are asking and the time in your career at which you are asking them. And you would do well to internalize this feedback (and LauraBushKilledAGuy's) instead of getting smarmy.
Thank you, this was quality I appreciate it, will take your advice.
Happy to help. Good luck!
I think a commercial lending internship can help you break into private credit, corporate banking, real estate finance, or leveraged finance. Private credit is competitive but feasible with networking and strong financial skills. Consider credit risk, structured finance, or debt advisory as well.
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