2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - CRE-Residential

Western Alliance Bank•Phoenix, AZ

About The Position

As a Credit Analyst, you will spread, manage, and maintain financial background information on current and prospective customers and develop credit studies for Loan Officers, the Chief Credit Officer, and other executive management. You will manage spread assignments, conduct financial analyses, maintain related records and files, and prepare credit department reports. The role supports the Credit Administration team by analyzing credit and collateral information to assess lending risk. You will collect, organize, and analyze company financials to ensure Bank compliance, update Bank systems, and work directly with clients to resolve compliance issues and operational inquiries. You will review client financials, perform sensitivity analyses, and prepare in-depth reports with action plans based on qualitative and quantitative research. You will collaborate with Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents; produce loan packages for new and restructured loans; coordinate reporting and requests involving third parties such as field auditors and appraisers; and monitor 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 present 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.