Credit Analyst

About the Role

The 2027 Commercial Banking Development Program is seeking a Credit Analyst for Specialized Mortgage Services in Phoenix, AZ. This role is designed for entry-level professionals interested in commercial banking.

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 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, 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.

About Specialized Mortgage Services (SMS)

SMS is a specialized lending and financial-services platform that includes Warehouse and MSR Lending, Note Finance, Correspondent Mortgage Services, Treasury Management, and supporting technology and analytics functions. These businesses support mortgage-industry clients through lending facilities, asset purchases, deposit and treasury services, portfolio oversight, and dedicated reporting and technology resources. Correspondent Mortgage Services (CMS) is a business within SMS focused on acquiring and managing residential mortgage assets, including jumbo mortgages and first-lien HELOC products. Its activities include loan purchasing, underwriting, quality control, trading, portfolio management, analytics, and post-purchase operations.

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 communications skills.