San Antonio Associate Credit Analyst - Banker Development Program: Relationship Manager Path

Zions Bancorporation; San Antonio (TX); On-site; USD 55,000 - 65,000; Full time

Job summary

Amegy Bank is hiring for the January and June 2027 Banker Development Program classes. The program provides a solid foundation in banking through classroom training, rotations across lending groups, and a defined career path toward a Relationship Manager role.

Rotations span Commercial Banking, Business Banking, Private Banking, and specialty areas; initial training occurs in Houston with rotations nationwide within Amegy's Texas markets, preparing graduates for future leadership.

Qualifications

• Undergraduate or graduate major in Business or Economics (undergraduate Finance and Accounting majors preferred).
• Minimum overall GPA of 3.0.
• 6 hours of accounting courses (9 hours including Intermediate Accounting I preferred).

Responsibilities

• Shadow Relationship Managers in client and prospect meetings.
• Underwrite financial analysis and credit packages.
• Participate in loan approval presentations.
• Review portfolio credit risk.
• Attend seminars and ongoing training.
• Build one-on-one relationships with high-level decision makers.

Skills

Communication skills

Leadership

Interpersonal skills

Self-starter

Education

Business or Economics major

Job description

Amegy Bank is hiring for the January and June 2027 Banker Development Program classes!

About Our Company

By joining Amegy Bank, you will become part of a trusted community-focused banking team, serving industry-leading financial tools and solutions. With more than 75 locations across Houston, Dallas-Fort Worth, and Central Texas, Amegy is dedicated to serving Texas communities, families, and businesses of all sizes. Amegy Bank’s unique approach allows local management to lead through community connections and business insights, offering the stability and support of a large bank, but with the grassroots relationships, agility, and empowerment of a community bank.

Having grown from some 20 employees to more than 1,000 statewide over the span of 30 years, Amegy Bank has maintained an “Everyone Counts” culture in which differences are valued and respected, and all employees are encouraged to contribute to business objectives. Ideas are always welcome, and opportunityis never far away.Join us and contribute what makes you unique.

For more information: www.amegybank.com/personal/careers/early-career

Banker Development Program

The Amegy Bank Banker Development Program (BDP) is a rotational credit and sales training program designed to provide a solid foundation in the basics of banking.

The program develops Credit Analysts into well-rounded bankers with strong credit, prospecting, and relationship management skills. It offers a defined career path which begins with classroom training followed by rotations through various lending departments and builds into a Relationship Manager role.

The BDP challenges Credit Analysts to grow and develop their skills at a set pace, empowering graduates to launch their career in banking.

MARKETS WE'RE HIRING FOR

• Houston
• Dallas
• Fort Worth/Arlington
• San Antonio

QUALIFICATIONS

Minimum Requirements (please make sure you meet each of these before applying)

• Undergraduate or graduate major in Business or Economics (undergraduate Finance and Accounting majors preferred)
• Minimum overall GPA of 3.0
• 6 hours of accounting courses (9 hours of accounting courses, including Intermediate Accounting I, preferred)

Additional Qualifications

• Excellent communication, presentation, and interpersonal skills
• Detail oriented, organized, analytical, with proven problem‑solving abilities
• Leadership skills and community involvement
• Highly motivated, self‑starter attitude
• Internship / prior work experience

PROGRAM PHASES

Phase 1: Initial Training Phase

1A: Classroom

Classroom training at Amegy Bank’s headquarters in Houston for 4.5 months. Credit Analysts attend 5 weeks of trainings at Zions Technology Center in Midvale, Utah.

TOPICS COVERED

• Banking and analytical concepts
• Bank-specific system and operational training
• Self‑study courses to teach the analytical process and decision‑making techniques needed to make sound credit decisions
• Credit underwriting
• Assignments based on case studies
• Professional etiquette and sales training
• Introductions to senior management
• Soft skills training

1B: Retail & Treasury Exposure

Cumulative Retail and Treasury Management exposure in Credit Analyst’s permanent market for 1.5 months.

TOPICS COVERED

• Overview of Treasury roles, products and services
• Prospect and client meetings
• Daily retail branch experiences and interactions
• Overview of branch operations and risk fundamentals
• Branch business development efforts

Phase 2: Rotations

The rotational phase is 13-19 months of on-the-job training through assignments to specific lending groups in Credit Analyst’s permanent market. Credit Analysts will rotate through 5-7 lending groups, with each rotation lasting approximately 2.5 months.

RESPONSIBILITIES

• Shadow Relationship Managers in client and prospect meetings
• Underwrite financial analysis and credit packages
• Participate in loan approval presentations
• Review portfolio credit risk
• Attend seminars and ongoing training
• Build one‑on‑one working relationships with high‑level decision makers

CORE ROTATIONS (2-3 rotations required out of the 5-7 total rotations)

• Commercial Banking
• Business Banking
• Private Banking

SPECIALTY ROTATIONS (vary by market)

• Corporate Banking
• Commercial Real Estate
• Energy
• Healthcare and Not‑for‑Profit

Phase 3: Placement

Placement into a lending group as an Associate takes place approximately 19-25 months after beginning the BDP, depending on number of rotations, performance, and staffing needs.

Placement as an Associate into a lending group is the monumental conclusion to the Banker Development Program. This placement is a steppingstone on an analyst’s journey to become a Relationship Manager at Amegy Bank.

CAREER PROGRESSION

1. Credit Analyst
2. Associate, Officer (19-25 months)*
3. Assistant Vice President, Relationship Manager II (3 to 4 years)*

• Credit Analysts who place into Core Groups will:
• Manage their own portfolio within 1-2 years after graduating the program
• Work directly with business owners and CEOs
• Help small, family‑owned, and middle market businesses achieve their goals through relationship banking.
• Maintain close ties to the community
• Credit Analysts who place into Specialty Groups will:
• Manage their own portfolio 2-4 years after graduating the program
• Work primarily with CFOs and CEOs
• Help upper middle market and larger businesses achieve their goals through relationship banking.

1. Vice President (5+ years)*

• Estimated career progression based on time after start of employment.

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at [phone], Mon.-Fri. between 9 a.m. - 5 p.m. MST.

Zions Bancorporation’s Internship and Banker Development Program positions are not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment in order to maintain employment eligibility.