Commercial Banking Development Program - Credit Analyst

The 2027 Commercial Banking Development Program - Credit Analyst role supports Credit Administration through credit analysis, financial data management, and reporting in Phoenix, AZ.

Responsibilities

• Support the Credit Administration team by analyzing credit and collateral information to assess lending risk to customers.
• Collect, organize, and analyze company financials to support Bank compliance and update Bank systems accordingly.
• Partner with clients to address compliance issues and handle operational inquiries.
• Review client financials and run sensitivity analysis to evaluate credit risk related to Bank structures.
• Produce in-depth credit reports that include plans of action based on qualitative and quantitative research.
• Coordinate with other Bank teams to support treasury management products, foreign exchange instruments, derivatives, and legal documentation.
• Prepare loan packages for new and restructured loans.
• Facilitate reporting and information requests with third parties, including field auditors and appraisers.
• Monitor loan disbursements to help ensure compliance with Bank regulations.
• Maintain financial background information for present and prospective customers and develop credit studies for Loan Officers, the Chief Credit Officer, and other executive leaders.
• Manage spread assignments, perform financial analysis, and maintain supporting records and files.
• Prepare a range of credit department reports.

Requirements

• Completion of an Accounting course.
• Bachelor’s degree or equivalent experience required.
• GPA of 3.0 or higher.
• Strong analytical, conceptual, communication, leadership, and organizational skills.
• Interest in working in Commercial Banking.
• Ability to self-motivate and work productively without supervision.
• Entry-level speaking and writing communication skills.

Location & Work Setting

• Phoenix, AZ (onsite)

Benefits

• Competitive salaries
• Ownership stake in the company
• Medical and dental insurance
• Time off
• Great 401k matching program
• Tuition assistance program
• Employee volunteer program
• Wellness program