2027 Credit Analyst Program - Commercial Real Estate (St. Louis, MO)

Associated Bank - Corp; Clayton (MO); On-site; USD 64,615,000 - 110,748,000; Full time

Benefits offered by this job

401(k) plan

Pension plan

Paid time off

Diversity-focused groups

Job summary

Associated Bank in St. Louis, MO, on-site, is launching a five-month Credit Analyst Program (CRE) beginning May 24, 2027.

You will support the Commercial Real Estate team with financial analysis, cash flow reviews, and underwriting while learning from experienced colleagues across the organization. This entry-level program builds a foundation for a career in credit and commercial banking through dedicated training, projects, and mentorship, with opportunities to advance into portfolio management

Qualifications

• Bachelor's Degree in Business Administration, Finance, Accounting, Economics, or a related field.
• Preferred internship experience with other banks or financial institutions.
• Demonstrated customer service and relationship-building skills.
• Experience with or exposure to financial and credit analysis concepts.
• Financial analysis and cash flow analysis experience.
• Credit analysis skills.
• Strong analytical thinking.

Responsibilities

• Learn and understand Associated's credit approach and underwriting process, including spreading and analyzing financial data.
• Begin underwriting of existing and new credit transactions and monitor a loan portfolio.
• Learn lending cycle and banking products to support clients and prospects.
• Assist in analyzing capital structure and financial needs to develop financial solutions.
• Understand relationship banking value proposition.

Skills

Credit analysis

Analytical thinking

Financial data analysis

Cash flow analysis

Education

Bachelor's Degree in Business Administration/Finance/Accounting/Economics

Job description

At Associated Bank we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you.

Associated Bank requires you to directly represent yourself and your own experiences during the recruiting and hiring process. Associated Bank conducts a thorough background check on all new hires.

About Our Credit Analyst Program

Build your foundation for a career in credit and commercial banking. During Associated Bank's five-month Credit Analyst Program, you'll combine hands-on experience with dedicated training, projects and opportunities to learn from experienced colleagues across the organization. You'll build connections with peers, mentors and banking professionals while gaining exposure to how we evaluate credit, support clients and develop financial solutions. Throughout the program, you'll put what you're learning into practice and build the knowledge, confidence and experience to create a strong foundation for your career at Associated Bank.

Join Associated Bank as a 2027 Credit Analyst Trainee - Commercial Real Estate (CRE), where you'll support the Commercial Real Estate team through financial analysis, cash flow analysis, annual reviews, credit presentations, and portfolio management activities. You'll partner closely with Relationship Managers, Portfolio Managers, mentors, and market leaders while supporting commercial real estate transactions across multiple markets. Participants gain the skills and experience needed to pursue future opportunities within portfolio management, commercial banking, credit, and other commercial banking functions.

This role is located in St. Louis, MO and is on-site. The Credit Analyst Program begins on May 24, 2027.

Key Accountabilities

• Learn and understand Associated's credit approach and underwriting process, as well as spread and analyze financial data.
• Begin to conduct the analysis and underwriting of existing and new credit transactions, in preparation to monitor and manage a loan portfolio.
• Learn and understand Associated's lending cycle and the wide range of banking products we provide to our customers and prospective customers.
• Prepare to help companies analyze their capital structure and financial needs in order to help develop and recommend financial solutions.
• Understand Associated's value proposition and the benefit of relationship banking.

Education & Experience

Required

• Bachelor's Degree in Business Administration, Finance, Accounting, Economics, or a related field

Preferred

• Successful internship experience with other banks or financial institutions
• Demonstrated customer service and relationship-building skills
• Experience with or exposure to financial and credit analysis concepts
• Financial analysis and cash flow analysis experience
• Credit analysis skills
• Strong analytical thinking

Why You'll Love Working Here

At Associated Bank, you'll be part of a supportive, growth-focused team that values your contributions and invests in your development. We offer meaningful career paths, community engagement opportunities, and a culture built on respect and teamwork.

We welcome and encourage applications from all qualified parties, including but not limited to people returning to the workforce, people with disabilities, those without a college degree, and veterans or those with military experience.

In addition to core traditional benefits, we take pride in offering benefits for every stage of life.

• Retirement savings including both 401(k) and Pension plans.
• Paid time off to volunteer in your community.
• Opportunities to connect with others through our diversity-focusedColleague Resource Groups.
• Competitive salaries with professional development and advancement opportunities.
• Bonus benefits including well-being programs and incentives, parental leave,anemployee stock purchase plan, military benefits and much more.
• Personal banking, loan, investmentand insurance benefits.

Associated Bank serves more than 120 communities throughout Wisconsin, Illinois, Minnesota, and Missouri and we consider our colleagues critical to our continued success.

Artificial Intelligence Statement

To support our recruiting process, we may use artificial intelligence ("AI") or automated technologies to collect, organize, sort, and analyze information submitted by applicants. These tools may assist our Talent Acquisition professionals in identifying applicants who appear to satisfy the minimum qualifications for a position.

AI is not used to make employment decisions on behalf of Associated Bank. No applicant will be selected or rejected solely based on the output of an AI tool. Hiring decisions are made by Associated Bank personnel who review applicant information and exercise independent judgment in accordance with applicable law and company policies.

Compliance Statement

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR.

Responsible to report ethical concerns as needed to Associated Bank's anonymous Ethics Hotline.

Associated Bank provides additional assistance throughout the application, interview and hiring process. Please [e-mail] you need an accommodation at any time during the process.

Associated Banc-Corp participates in the E-Verify Program. E-Verify NoticeEnglish or Spanish. Know Your Right to WorkEnglishorSpanish.

Associated Bank isPay Transparencycompliant.

The pay range represents anticipated base pay for this role. Actual pay may vary based on factors including, but not limited to, work location, skills, experience, education, and qualifications for the role.

For certain positions, total compensation may also include incentive, commission, or bonus opportunities not reflected in the posted base pay range.

$22.55 - $38.65 per hour