2027 Commercial Banking Development Program - Credit Analyst - San Jose, CA - Commercial & Industrial

Western Alliance Bank•San Jose, CA

About The Position

The Credit Analyst supports Commercial Banking by spreading, managing, and maintaining financial information for current and prospective customers and preparing credit studies for Loan Officers, the Chief Credit Officer, and other executive management. The role manages spread assignments, conducts financial analyses, maintains records and files, and prepares credit department reports. The analyst supports the Credit Administration team by assessing credit and collateral information to evaluate lending risk, organizing and analyzing company financials for Bank compliance, and updating Bank systems. The role also works with clients on compliance issues and operational inquiries; reviews financials and performs sensitivity analyses; prepares reports with action plans based on qualitative and quantitative research; and collaborates with internal teams on treasury management products, foreign exchange instruments, derivatives, legal documents, and loan packages. Additional duties include coordinating Bank requests with third parties such as field auditors and appraisers, and monitoring loan disbursements for regulatory compliance.

Requirements

Completion of an Accounting course.
Bachelor's degree or equivalent experience.
GPA of 3.0 or higher.
Strong analytical, conceptual, communication, leadership, and organizational skills.
Interest in working in Commercial Banking.
Ability to self-motivate and work productively without supervision.
Entry-level speaking and writing communication skills.

Responsibilities

Spread, manage, and maintain financial background information for current and prospective customers.
Manage spread assignments, conduct financial analyses, and maintain related records and files.
Prepare credit studies and credit department reports for Loan Officers, the Chief Credit Officer, and executive management.
Analyze credit and collateral information to assess lending risk.
Collect, organize, and analyze company financials to ensure Bank compliance, and update Bank systems.
Work directly with clients to resolve compliance issues and operational inquiries.
Review client financials and perform sensitivity analyses to evaluate credit risk in connection with Bank structures.
Prepare in-depth reports and plans of action based on qualitative and quantitative research.
Collaborate with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents.
Produce loan packages for new and restructured loans.
Facilitate Bank reporting and requests involving third parties, including field auditors and appraisers.
Monitor loan disbursements to ensure compliance with Bank regulations.