Credit Analyst, Legal Banking

About the Role

• Job Title: 2027 Commercial Banking Development Program - Credit Analyst
• Location: Phoenix, AZ
• Department: Legal Banking
• Company: Western Alliance Bank

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 risk.
• Collect, organize, and analyze company financials to ensure Bank compliance.
• Update the Bank’s systems accordingly.
• Work directly with clients to resolve compliance issues and operational inquiries.
• Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures.
• 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, as well as 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 required.
• GPA of 3.0 or higher is required.
• 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.

Compensation

• Hourly range for new hires is generally $33.40 for San Diego, CA. Salary amount is determined by specific job location.
• The role may be eligible for annual bonus/incentives.

Benefits

• Competitive salaries.
• An ownership stake in the company.
• Medical and dental insurance.
• Time off.
• A great 401k matching program.
• Tuition assistance program.
• An employee volunteer program.
• A wellness program.
• Opportunity to bolster business knowledge and gain hands-on experience in how successful companies operate and manage finances.

About The Company

Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands: Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank. AmeriHome Mortgage is also a Western Alliance Bank Company.