Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Sponsor Finance
The Credit Analyst in the Commercial Banking Development Program at Confidential Client is responsible for analyzing financial information of current and prospective clients to assess credit risk and support loan decisions. This role involves preparing detailed credit reports, collaborating with various bank departments on financial products, and ensuring compliance with banking regulations. The position offers hands-on experience in commercial banking with opportunities for professional growth within a supportive environment.
About Careertakes
👉 Important disclosure: Careertakes is a third-party recruiting platform supporting this hiring process. If selected, you will be employed directly by our client, Commercial Banking.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
What You’ll Do
As a Credit Analyst in this Commercial Banking development program, you will support the Credit Administration team by preparing credit studies, spreading financials, and helping underwrite loans. This is an entry-level development role designed to build your commercial lending and credit analysis skills while supporting loan origination and portfolio administration.
- Spread, manage and maintain financial background information for current and prospective commercial clients
- Prepare credit studies, loan packages, and related credit department reports for Loan Officers and credit leadership
- Analyze financial statements and perform sensitivity analysis to evaluate credit risk and covenant structures
- Collect, organize, and update company financials in bank systems to ensure compliance with internal policies
- Collaborate with cross-functional teams on treasury management, foreign exchange, derivatives, legal documentation, and loan structuring
- Facilitate third-party reporting and requests (e.g., field auditors, appraisers) and monitor loan disbursements for compliance
- Communicate with clients to resolve documentation, operational, and compliance inquiries
What You’ll Need
We welcome early-career candidates who are motivated to start a career in commercial banking credit analysis.
- Completion of an accounting course
- Bachelor’s degree or equivalent experience required
- Minimum GPA of 3.0
- Strong analytical and quantitative skills; comfort working with financial statements
- Clear written and verbal communication skills (entry level)
- Self-motivated, organized, and able to work productively with limited supervision
- Interest in a commercial banking career and learning credit analysis, loan structuring, and related banking products
Benefits You’ll Love
Our client offers a competitive benefits package and development opportunities to help you grow professionally.
- Competitive salary and comprehensive medical/dental benefits
- 401(k) with employer match
- Tuition assistance and professional development programs
- Paid time off and employee volunteer/wellness programs
- Hands-on exposure to commercial lending, credit underwriting, and financial products to accelerate your career growth
About the company
This role is with a Confidential Client in the commercial banking sector. The organization serves business clients and provides opportunities for career advancement through structured development programs in credit and commercial banking.
Equal Opportunity & Hiring Transparency
Careertakes and our client are Equal Opportunity Employers committed to building a diverse and inclusive workforce. We prohibit discrimination or harassment of any kind. To support a fair and efficient hiring process, AI tools may be used to assist with application review or resume screening. These tools do not replace human decision-making. Final hiring decisions are made by people.
If you have questions about how your data is used, please contact us directly.
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