2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Digital Asset Banking

Western Alliance Bank; Phoenix (AZ); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive salary

401(k) matching

Tuition assistance

Medical and dental insurance

Time off

Employee volunteer program

Wellness program

Job summary

Western Alliance Bank seeks a Credit Analyst within its Commercial Banking Development Program in Phoenix, AZ. You will spread, analyze, and maintain financial data on current and prospective clients to support loan decisions.

You'll prepare credit studies, manage reports, and collaborate with Loan Officers, Chief Credit Officer, and risk teams to strengthen underwriting and client outcomes, while contributing to digital asset initiatives.

Qualifications

• Accounting coursework completed.
• Bachelor's degree or equivalent experience required.
• GPA 3.0+ required.

Responsibilities

• Spread, manage and maintain financial background information on present and prospective customers to develop credit studies.
• Prepare in-depth credit department reports and analyses for Loan Officers, Chief Credit Officer and executives.
• Review client financials, perform sensitivity analysis, and assess credit risk in bank structures.
• Collaborate with Bank groups to execute treasury management products, foreign exchange instruments and related loan packages.

Skills

Analytical skills

Communication skills

Leadership

Organizational skills

Education

Bachelor's degree or equivalent

Job description

Job Title

2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Digital Asset Banking

Location

CityScape

What You'll Do

As a Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct financial analyses, and maintain related records and files. One of your key responsibilities is the preparation of a variety of credit department reports.

The Digital Assets team is responsible for identifying and developing innovative solutions that enhance Western Alliance Bank's product capabilities, improve client experience, and strengthen operational efficiency. This team plays a key role in advancing first line of defense (1LOD) risk management while designing next generation digital payment and onboarding solutions.

The group collaborates closely with the Digital Assets Group (DAG), Technology, Operations, Risk, and Product partners to evaluate emerging market trends, assess digital asset opportunities, develop wallet capabilities, and create digital onboarding solutions powered by AI and modern APIs. Through this work, the team supports strategic initiatives that drive growth, deepen client engagement, and expand Western Alliance Bank's digital footprint.

• Responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers. Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates 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.

What You'll Need

• 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.

Benefits You'll Love

We offer all the important things you'd want - like 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, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands‑on experience to help grow your career!

About The Company

Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands - Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank - that remain part of the company's heritage, as well as AmeriHome Mortgage, a Western Alliance Bank Company.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information.

Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email [e-mail] or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

© Western Alliance Bancorporation