2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Specialized Mortgage Services

Responsibilities

• Spread, manage and maintain financial background information on present and prospective customers
• Develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management
• Manage spread assignments
• Conduct financial analyses
• 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 involved in lending money to customers
• Collect, organize, and analyze company financials to ensure Bank compliance, and 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, 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
• The Specialized Lending Services – Data Management and Infrastructure (SLS – DMI) team provides business technology and data support for multiple national business lines
• The SLS – DMI team consists of business analysts and product owners who collaborate to design and manage efficient business workflows
• They implement and maintain business technology solutions that provide workflows and generate comprehensive business and data reports
• They provide valuable insights through data, documentation, and analysis of business processes, identifying areas for improvement
• They create data dashboards for visualization and map customer journeys to understand experiences
• This support ensures the organization operates smoothly and efficiently

Requirements

• Completion of an Accounting course
• Bachelor's degree or equivalent experience required
• GPA of 3.0 or higher is required

Skills

• 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

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 your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career