2027 Commercial Banking Development Program - Credit Analyst - Pleasanton, CA - C&I General Industries Banking
The Credit Analyst in the 2027 Commercial Banking Development Program at Confidential Client is responsible for analyzing and managing financial information of current and prospective clients to support credit decisions. This role involves preparing credit studies, conducting risk assessments, collaborating with various bank groups on treasury and lending products, and ensuring compliance with bank regulations. The position offers hands-on experience in commercial banking focused on middle market companies, providing valuable exposure to financial analysis and credit administration.
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, Accounting & Finance.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
What You’ll Do
As a Credit Analyst on a Commercial & Industrial (C&I) General Industries Banking team, you will perform financial statement analysis and prepare credit studies that support lending decisions for lower middle market and middle market clients (typical revenue > $20M). This is an early-career, hands-on role that provides exposure to credit administration, loan packaging, and cross-functional bank products.
Key Responsibilities
- Spread, manage, and maintain financial background information on existing and prospective customers.
- Prepare credit studies, loan packages, and credit department reports for loan officers and credit leadership.
- Analyze client financials and perform sensitivity and collateral analyses to evaluate credit risk.
- Collaborate cross-functionally to support treasury management products, foreign exchange, derivatives and associated legal documentation.
- Monitor loan disbursements and ensure compliance with loan covenants and bank policies.
- Coordinate with third parties (appraisers, field auditors) and respond to client inquiries regarding compliance and operational items.
What You’ll Need
- Completion of an Accounting course.
- Bachelor’s degree or equivalent experience required.
- Minimum GPA: 3.0.
- Strong analytical and financial statement analysis skills.
- Clear written and verbal communication skills appropriate for an entry-level role.
- Self-motivation and ability to work productively with limited supervision.
- Interest in building a career in commercial banking and credit analysis.
Compensation & Benefits
- Hourly pay for new hires is generally $36.30 per hour for this role (applies to Hayes Valley / San Francisco area locations). Salary is determined by the specific job location and may be eligible for annual bonus or incentive programs.
- Benefits include medical and dental insurance, 401(k) matching, tuition assistance, paid time off, employee volunteer and wellness programs, and opportunities for professional development and on-the-job learning.
About the Confidential Client
Confidential Client is a financial services organization operating across legacy bank brands and serving a nationwide client base. The role sits on a C&I General Industries Banking team focused on growing a portfolio of treasury management and lending relationships for lower middle market and middle market companies.
Confidential Client is committed to reasonable accommodations during the hiring process. If you require an accommodation to participate in the application process, please indicate that in your application materials or contact the recruiter.
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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