2027 Commercial Banking Development Program - Credit Analyst - San Jose, CA - Commercial & Industrial

Western Alliance Bank • San Jose, CA

3d

About The Position

The Credit Analyst is primarily responsible for 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 manages spread assignments, conducts financial analyses, maintains related records and files, and prepares credit department reports. It supports the Credit Administration team by analyzing credit and collateral information to assess lending risk, organizing and analyzing company financials for Bank compliance, and updating Bank systems.

The Credit Analyst works directly with clients to resolve compliance issues and operational inquiries; reviews client financials and performs sensitivity analyses to evaluate credit risk in connection with Bank structures; and prepares in-depth reports with action plans based on qualitative and quantitative research. The role also collaborates with Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents; prepares loan packages for new and restructured loans; facilitates third-party reporting and requests; and monitors 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, such as field auditors and appraisers.
• Monitor loan disbursements to ensure compliance with Bank regulations.

Benefits

• Competitive salaries.
• An ownership stake in the company.
• Medical and dental insurance.
• Time off.
• 401(k) matching program.
• Tuition assistance program.
• Employee volunteer program.
• Wellness program.
• Opportunity to develop business knowledge and gain hands-on experience.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level