2026 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Digital Assets

Western Alliance Bank•Phoenix, AZ

1d•Onsite

About The Position

The 2026 Commercial Banking Development Program - Credit Analyst role within the Digital Assets team focuses on analyzing credit and collateral information to determine lending risk. This position involves collecting, organizing, and analyzing company financials to ensure Bank compliance and updating the Bank’s systems. The role requires direct client interaction to resolve compliance issues and operational inquiries, reviewing client financials, and performing sensitivity analysis to evaluate credit risk. The Credit Analyst will prepare in-depth reports with action plans based on research, collaborate with various Bank groups to execute financial products and legal documents, and produce loan packages for new and restructured loans. Additionally, the role involves facilitating reporting and requests with third parties, monitoring loan disbursements for compliance, and supporting the Credit Administration team. The Digital Assets team specifically works on identifying and developing innovative solutions to enhance product capabilities, client experience, and operational efficiency, while also advancing risk management and designing digital payment and onboarding solutions. This involves evaluating market trends, assessing digital asset opportunities, developing wallet capabilities, and creating AI-powered digital onboarding solutions.

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 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.
Identify and develop innovative solutions that enhance Western Alliance Bank’s product capabilities, improve client experience, and strengthen operational efficiency.
Advance first line of defense (1LOD) risk management while designing next generation digital payment and onboarding solutions.
Evaluate emerging market trends, assess digital asset opportunities, develop wallet capabilities, and create digital onboarding solutions powered by AI and modern APIs.
Support strategic initiatives that drive growth, deepen client engagement, and expand Western Alliance Bank’s digital footprint.

Benefits

Competitive salaries
An ownership stake in the company
Medical and dental insurance
Time off
A great 401k matching program
Tuition assistance program
An employee volunteer program
A 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