Credit Analyst, CRE-Residential

About the Role

This is an entry-level position within the 2027 Commercial Banking Development Program, focusing on Credit Analysis for CRE-Residential at Western Alliance Bank in Phoenix, AZ.

Key Responsibilities

• Spread, manage, and maintain financial background information on present and prospective customers.
• Develop credit studies for Loan Officers, Chief Credit Officer, and other Executive Management.
• Manage spread assignments, conduct financial analyses, and maintain related records and files.
• Prepare a variety of credit department reports.
• Support the Credit Administration team in analyzing credit and collateral information to determine lending risk.
• Collect, organize, and analyze company financials to ensure Bank compliance and update Bank systems.
• Work directly with clients to resolve compliance issues and operational inquiries.
• Review client financials and perform sensitivity analysis to evaluate credit risk.
• 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, and 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).
• Monitor loan disbursements to ensure compliance with Bank regulations.

Requirements & Tech Stack

• Completion of an Accounting course.
• Bachelor's degree or equivalent experience.
• GPA of 3.0 or higher.
• 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 communication skills.