2027 Commercial Banking Development Program - Specialized Mortgage Services - Phoenix, AZ
About The Position
This program is designed for individuals interested in Commercial Banking, specifically within Specialized Mortgage Services. As a Credit Analyst, you will be responsible for managing and maintaining financial background information on customers, developing credit studies for loan officers and executive management, and preparing credit department reports. You will also support the Credit Administration team in analyzing credit and collateral, ensuring Bank compliance, and resolving client issues. The role involves reviewing client financials, performing sensitivity analysis, preparing in-depth reports, collaborating with various bank groups on financial products and legal documents, producing loan packages, and monitoring loan disbursements.
Requirements
- Completion of an Accounting course.
- Bachelor's degree or equivalent experience required.
- GPA of 3.0 or higher is required.
- Strong analytical, conceptual, communication, leadership, and organizational skills.
- An interest in working in Commercial Banking.
- Ability to self-motivate and work productively without supervision.
- Entry level speaking and writing communications skills.
Responsibilities
- Spread, manage and maintain financial background information on present and prospective customers.
- Develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management.
- Manage spread assignments, conduct financial analyses, and maintain related records and files.
- Prepare a variety of credit department reports.
- Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.
- Collect, organize, and analyze company financials to ensure Bank compliance, and update the Bank’s systems accordingly.
- Work directly with clients to resolve compliance issues and operational inquiries.
- Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures.
- Prepare in-depth reports providing plans of action based on qualitative and quantitative research.
- Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents.
- Produce loan packages for new and restructured loans.
- Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc.
- Monitor loan disbursements to ensure compliance with Bank regulations.
Benefits
- Competitive salaries
- An ownership stake in the company
- Medical and dental insurance
- Time off
- A great 401k matching program
- Tuition assistance program
- An employee volunteer program
- A wellness program
- Opportunity to bolster business knowledge
- Learning the ins and outs of how successful companies operate and manage their finances
- Invaluable hands-on experience to help grow your career
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
