2027 Commercial Banking Development Program - Credit Analyst - San Diego, CA - Corporate Administration

Western Alliance Bank•San Diego, CA

7d•Onsite

About The Position

The Credit Analyst supports the Credit Administration team by spreading, managing, and maintaining financial information for present and prospective customers and preparing credit studies for Loan Officers, the Chief Credit Officer, and executive management. The role includes managing spread assignments, conducting financial analyses, maintaining records and files, and preparing credit department reports. The analyst reviews financial and collateral information to assess lending risk, collect and organize company financials, help ensure Bank compliance, and update Bank systems. The position also involves working directly with clients to resolve compliance issues and operational inquiries; performing sensitivity analyses; and preparing in-depth reports with recommended action plans based on qualitative and quantitative research. The Credit Analyst collaborates with other Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents; prepares loan packages for new and restructured loans; coordinates reporting and requests with third parties such as field auditors and appraisers; and monitors loan disbursements for compliance with Bank regulations. This is an entry-level role in the 2027 Commercial Banking Development Program, based in San Diego, California.

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 and organize company financials, 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 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.