2027 Commercial Banking Development Program - Specialized Mortgage Services - Phoenix, AZ
About The Position
This role is part of the 2027 Commercial Banking Development Program, focusing on Specialized Mortgage Services in Phoenix, AZ. As a Credit Analyst, you will be responsible for analyzing the financial background of present and prospective customers, developing credit studies for loan officers and executive management, managing spread assignments, conducting financial analyses, and maintaining related records. A key part of this role involves preparing credit department reports and supporting the Credit Administration team in assessing credit and collateral risks. You will collect, organize, and analyze company financials to ensure Bank compliance and update systems accordingly, while also working directly with clients to resolve compliance issues and operational inquiries. The role requires reviewing client financials, performing sensitivity analysis to evaluate credit risk, and preparing in-depth reports with action plans based on research. Collaboration with other Bank groups is essential for executing treasury management products, foreign exchange instruments, derivatives, and legal documents, as well as producing loan packages for new and restructured loans. You will also facilitate reporting and requests with third parties like auditors and appraisers, and monitor loan disbursements for compliance with Bank regulations.
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
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Entry Level
