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

Western Alliance Bank•Phoenix, AZ

About The Position

The Credit Analyst supports the Credit Administration team by spreading, managing, and maintaining financial background information on current and prospective customers, and developing credit studies for Loan Officers, the Chief Credit Officer, and other Executive Management. The role involves analyzing credit and collateral information to assess lending risk, maintaining records and files, and preparing credit department reports. The analyst reviews client financials and conducts sensitivity analyses to evaluate credit risk in connection with Bank structures. They collect, organize, and analyze company financial information to support Bank compliance, update Bank systems, and work directly with clients to resolve compliance issues and operational inquiries. The role also involves producing loan packages for new and restructured loans, coordinating with internal Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents, and facilitating requests involving third parties such as field auditors and appraisers. The analyst monitors loan disbursements for compliance with Bank regulations. This is an entry-level role in the Commercial Banking Development Program focused on Sponsor Finance, located at CityScape in Phoenix, Arizona.

Requirements

Completion of an Accounting course.
Bachelor's degree or equivalent experience required.
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 a variety of credit department reports.
Analyze credit and collateral information to assess the risk involved in lending to customers.
Collect, organize, and analyze company financials to ensure Bank compliance, and update the Bank’s 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.