2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Specialized Mortgage Services

Western Alliance Bank; Phoenix (AZ); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive salaries

Ownership stake in the company

Medical and dental insurance

Time off

401k matching program

Tuition assistance program

Employee volunteer program

Wellness program

Job summary

Western Alliance Bank is seeking an entry-level Credit Analyst for the Commercial Banking Development Program in Phoenix. The role focuses on spreading and analyzing financial data, preparing credit studies for senior staff, and maintaining records to support loan decisions.

You will work with the Data Management and Infrastructure team to design workflows, dashboards, and reports that improve risk assessment and client servicing.

Qualifications

• Bachelor's degree with a GPA of 3.0 or higher.
• Accounting coursework completed.
• Interest in Commercial Banking and ability to work with cross-functional teams.

Responsibilities

• Spread, analyze, and maintain financial background information for customers.
• Develop credit studies for Loan Officers and executives.
• Prepare credit department reports and support data management workflows.
• Collaborate with bank groups to assemble loan packages and monitor compliance.

Skills

Analytical thinking

Communication skills

Leadership

Organizational skills

Self-motivated

Entry-level speaking/writing

Education

Bachelor's degree or equivalent experience

Accounting course

Job description

2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Data Management & Infrastructure

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 Specialized Lending Services - Data Management and Infrastructure (SLS - DMI) team is responsible for providing business technology and data support for multiple national business lines. The team is composed of business analysts and product owners who collaborate to design and manage efficient business workflows. They implement and maintain business technology solutions that provide workflows and generate comprehensive business and data reports. They provide valuable insights through data, documentation and analysis of the business processes, identifying areas for improvement. Furthermore, they create data dashboards for visualization and map customer journeys to understand experiences. This comprehensive support ensures that the organization operates smoothly and efficiently.

• 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

• 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
• 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