Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Sponsor Finance

Western Alliance Bank • Phoenix, AZ

4d

About The Position

The Credit Analyst is part of the Commercial Banking Development Program in Sponsor Finance and is based at CityScape in Phoenix, Arizona. The role supports the Credit Administration team by analyzing credit and collateral information to assess lending risk. The analyst spreads, manages, and maintains financial information for current and prospective customers; develops credit studies for Loan Officers, the Chief Credit Officer, and executive management; and prepares credit department reports.

The analyst collects, organizes, and analyzes company financials to support Bank compliance, updates Bank systems, and works directly with clients to address compliance issues and operational inquiries. The position also reviews client financials and performs sensitivity analyses, prepares reports and action plans based on qualitative and quantitative research, and collaborates with other Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents. Additional duties include producing loan packages for new and restructured loans, coordinating information and requests with third parties such as field auditors and appraisers, and monitoring loan disbursements for compliance with Bank regulations.

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 on current and prospective customers.
• Develop credit studies for Loan Officers, the Chief Credit Officer, and executive management.
• Manage spread assignments, conduct financial analyses, and maintain related records and files.
• Prepare credit department reports.
• Analyze credit and collateral information to assess the risk involved in lending.
• Collect, organize, and analyze company financials to ensure Bank compliance, and update Bank systems accordingly.
• 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 with action plans based on qualitative and quantitative research.
• Collaborate with Bank groups on 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.

Benefits

• Competitive salaries.
• An ownership stake in the company.
• Medical and dental insurance.
• Time off.
• 401(k) matching program.
• Tuition assistance program.
• Employee volunteer program.
• Wellness program.
• Opportunity to build business knowledge and gain hands-on experience.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level