2027 Commercial Banking Development Program - Credit Analyst - San Francisco, CA - Technology & Innovation Banking
About The Position
The Credit Analyst supports Western Alliance’s Innovation Banking Group and Credit Administration team by managing and maintaining financial information for current and prospective customers and developing credit studies for Loan Officers, the Chief Credit Officer, and other executive management. The role includes managing spread assignments, conducting financial analyses, maintaining related records and files, and preparing credit department reports. The analyst evaluates credit and collateral information to assess lending risk, collects and analyzes company financials to support Bank compliance, updates Bank systems, and works directly with clients to resolve compliance issues and operational inquiries. The role reviews client financials and performs sensitivity analyses, prepares reports with action plans based on qualitative and quantitative research, and produces loan packages for new and restructured loans. The analyst also collaborates with Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents; handles reporting and requests involving third parties such as field auditors and appraisers; and monitors loan disbursements for compliance with Bank regulations. The program offers hands-on exposure to how companies operate and manage their finances.
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 other 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 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 with 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.
Benefits
- Competitive salaries.
- Ownership stake in the company.
- Medical and dental insurance.
- Time off.
- 401(k) matching program.
- Tuition assistance program.
- Employee volunteer program.
- Wellness program.
- Annual bonus/incentives may be available.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
