2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - CRE-Residential

Western Alliance Bank•Phoenix, AZ

1d•Onsite

About The Position

As a Credit Analyst, you will support the Credit Administration team by analyzing credit and collateral information to assess lending risk. You will spread, manage, and maintain financial information for current and prospective customers; conduct financial analyses and sensitivity analyses; and prepare credit studies and reports for Loan Officers, the Chief Credit Officer, and other executive management. The role also involves maintaining records and files, updating Bank systems, and ensuring that company financial information and loan activity comply with Bank requirements. You will work directly with clients to resolve compliance issues and operational inquiries, prepare loan packages for new and restructured loans, and collaborate with Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents. You will also coordinate reporting and requests involving third parties such as field auditors and appraisers, and monitor loan disbursements for compliance with Bank regulations. The position is part of the 2027 Commercial Banking Development Program and focuses on CRE-Residential in Phoenix, Arizona, at CityScape.

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 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 assess lending risk.
Collect, organize, and analyze company financials to ensure Bank compliance, and update the Bank’s 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.