2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Legal 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 assess credit risk. This role involves preparing detailed credit reports, collaborating with various bank departments to support loan structuring and compliance, and maintaining accurate financial records to ensure adherence to bank policies. It offers an opportunity to develop expertise in commercial banking credit analysis within a supportive and growth-oriented 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, Accounting & Finance.
Applicants for this role may also receive access to additional matched opportunities through the Careertakes platform.
About the Role
Confidential Client is hiring an entry-level Credit Analyst in Phoenix, AZ as part of a Commercial Banking development program. This Credit Analyst role offers hands-on credit analysis and loan package preparation experience across commercial lending products — an excellent opportunity to build a career in commercial banking.
What You’ll Do
- Support the Credit Administration team by collecting, organizing, and analyzing client financials and collateral to evaluate credit risk.
- Spread, manage, and maintain financial background information for current and prospective customers.
- Prepare credit studies, sensitivity analyses, and in-depth reports for Loan Officers, the Chief Credit Officer, and other stakeholders.
- Produce loan packages for new and restructured loans and help ensure loan disbursements comply with bank requirements.
- Collaborate with cross-functional teams on treasury management, foreign exchange, derivatives, and legal documentation.
- Coordinate reporting and information requests with third parties (e.g., field auditors, appraisers) and maintain credit files and department records.
- Communicate with clients to resolve compliance and operational inquiries.
What You’ll Need
- Completion of an Accounting course.
- Bachelor’s degree or equivalent experience required.
- Minimum cumulative GPA of 3.0 (as stated in the program requirements).
- Strong analytical and quantitative skills, including basic sensitivity analysis.
- Clear written and verbal communication skills appropriate for an entry-level role.
- Self-motivation and the ability to work productively with limited supervision.
- Interest in building a career in Commercial Banking.
Compensation & Benefits
- Hourly pay listed in the source posting: $33.40 per hour (salary amount is determined by job location; actual pay may vary).
- Role may be eligible for annual bonus/incentive opportunities.
- Benefits typically include medical and dental insurance, 401(k) match, tuition assistance, paid time off, employee volunteer and wellness programs, and opportunities to gain broad commercial banking experience.
About the Confidential Client
Confidential Client operates in the Accounting & Finance industry and provides commercial banking services. Participation in this development program will expose you to credit analysis, loan structuring, and cross-functional banking operations — strengthening your practical finance and lending skills.
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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