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

Western Alliance Bank•Phoenix, AZ

11d

About The Position

The Credit Analyst supports the Credit Administration team by analyzing customer credit and collateral information to assess lending risk. The role spreads, manages, and maintains financial information for current and prospective customers; conducts financial analyses and sensitivity analyses; and prepares credit studies and reports for Loan Officers, the Chief Credit Officer, and other executive management. The analyst also maintains related records and files, updates Bank systems, and prepares loan packages for new and restructured loans. The role includes working directly with clients to address compliance issues and operational inquiries, collaborating with Bank teams on treasury management products, foreign exchange instruments, derivatives, and legal documents, and coordinating reports and requests involving third parties such as field auditors and appraisers. The analyst monitors loan disbursements for compliance with Bank regulations and prepares recommendations based on qualitative and quantitative research.

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 for current and prospective customers.
Manage spread assignments and conduct financial analyses.
Prepare credit studies for Loan Officers, the Chief Credit Officer, and other executive management.
Maintain related records and files and prepare credit department reports.
Analyze credit and collateral information to determine lending risk.
Collect, organize, and analyze company financials to ensure Bank compliance, and update Bank systems accordingly.
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.