2027 Commercial Banking Development Program - Credit analyst - Phoenix, AZ - Resort Finance

Western Alliance Bank•Phoenix, AZ

11d

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. The role supports the Credit Administration team by analyzing credit and collateral information to assess lending risk, conducting financial analyses, managing spread assignments, maintaining records, and preparing credit department reports. You will collect, organize, and analyze company financials to support Bank compliance and update Bank systems. You will work directly with clients to resolve compliance issues and operational inquiries; review financials and perform sensitivity analyses; prepare reports with action plans based on qualitative and quantitative research; and collaborate with Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents. The role also includes producing loan packages for new and restructured loans, facilitating reporting and requests involving third parties such as field auditors and appraisers, and monitoring loan disbursements for compliance with Bank regulations. This is an entry-level position in the 2027 Commercial Banking Development Program, focused on Resort Finance in Phoenix, Arizona.

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 support 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 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 for compliance with Bank regulations.