2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ- Specialized Mortgage Services
About The Position
This role is part of the 2027 Commercial Banking Development Program, focusing on Credit Analysis within Specialized Mortgage Services (SMS). SMS is a platform that includes Warehouse and MSR Lending, Note Finance, Correspondent Mortgage Services, Treasury Management, and supporting technology and analytics functions. Correspondent Mortgage Services (CMS) specifically focuses on acquiring and managing residential mortgage assets. The Credit Analyst will support the Credit Administration team by analyzing credit and collateral information to assess lending risk, ensuring Bank compliance, and updating systems. This role involves direct client interaction to resolve compliance issues and operational inquiries, reviewing client financials for credit risk evaluation, and preparing detailed reports with action plans. The position also requires cross-functional collaboration for treasury management products, foreign exchange instruments, derivatives, and legal documents, as well as producing loan packages and facilitating reporting with third parties.
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
- Ownership stake in the company
- Medical and dental insurance
- Time off
- 401k matching program
- Tuition assistance program
- Employee volunteer program
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
