Credit Analyst, Phoenix, AZ
Western Alliance Bank
About the Role
As a Credit Analyst in the Commercial Banking Development Program, you will be responsible for spreading, managing, and maintaining financial background information on customers, and developing credit studies. You will manage spread assignments, conduct financial analyses, and maintain related records. A key responsibility includes preparing credit department reports. The commercial banking group focuses on developing new business and servicing existing clients in the commercial/business banking space, typically with revenues of less than $50 million. They negotiate, underwrite, and coordinate closings for various loans, and develop and maintain deposit relationships.
Key Responsibilities
- 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 systems.
- 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 with 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 with third parties, such as field auditors and 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.
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 and AmeriHome Mortgage.