2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Digital Asset Banking
About The Position
The 2027 Commercial Banking Development Program - Credit Analyst role within the Digital Asset Banking team at Western Alliance Bank focuses on analyzing financial information to assess credit risk. The Credit Analyst will be responsible for spreading, managing, and maintaining financial background information on customers, developing credit studies, and preparing credit department reports. This role supports the Credit Administration team in evaluating credit and collateral, ensuring Bank compliance, and updating systems. The Digital Assets team is at the forefront of developing innovative solutions for digital payments and onboarding, collaborating with various departments to assess market trends and digital asset opportunities. The role involves working directly with clients to resolve compliance issues, performing sensitivity analysis on client financials, and producing loan packages. Additionally, the Credit Analyst will facilitate reporting with third parties and monitor 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
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
