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

Zions Bancorporation; San Antonio, Northern (TX, KY); Hybrid; USD 56,000 - 75,000; Full time

Job summary

Amegy Bank in San Antonio seeks an Associate Credit Analyst as part of the Banker Development Program to build credit and relationship management skills. The program rotates through lending groups, starts with classroom training in Houston and Utah, and leads to a Relationship Manager role.

You will shadow Relationship Managers, underwrite financial analyses, participate in loan presentations, attend seminars, and develop one-on-one connections with senior decision makers across commercial

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 of accounting courses, including Intermediate Accounting I, preferred)
• 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

Responsibilities

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

Skills

Communication

Presentations

Interpersonal skills

Leadership

Attention to detail

Problem solving

Self-motivated

Education

Business or Economics major

Accounting coursework (6+ hours)

Job description

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

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

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

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
• Assignments based on case studies
• Professional etiquette and sales training
• Introductions to senior management

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

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
• 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

SPECIALTY ROTATIONS (vary by market)

• 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

• Credit Analyst
• Associate, Officer (19-25 months)*
• 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.

4. Vice President (5+ years)*

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

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.

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending 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, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at [e-mail] or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.