2027 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Lending Operations
The Credit Analyst in the 2027 Commercial Banking Development Program at Confidential Client is responsible for analyzing financial information, assessing credit risk, and preparing detailed credit reports to support lending decisions. This role involves collaboration with various bank departments to manage loan packages, ensure compliance, and facilitate communication with clients and third parties, providing a comprehensive foundation in commercial banking operations.
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 part of a Commercial Banking Development Program, you will support the credit administration team by preparing financial analyses and credit documentation used by loan officers and senior credit leaders. This is an entry-level credit analyst role with hands-on work in spreading financial statements, assessing credit risk, and preparing credit reports and loan packages.
- Support the Credit Administration team by collecting, organizing and maintaining borrower financial records and collateral information.
- Spread financial statements and perform ratio and sensitivity analyses to evaluate repayment capacity and covenant compliance.
- Prepare clear, concise credit memos, action plans and loan packages for new and restructured credits.
- Collaborate with lending, treasury, legal and operations teams to coordinate documentation, treasury products, and other client solutions.
- Coordinate with external third parties (appraisers, auditors, field examiners) and monitor loan disbursements for compliance with credit terms and bank policies.
- Maintain accurate records in the bank’s credit systems and assist with ad hoc credit reporting.
What You’ll Need
- Completion of an Accounting course; Bachelor’s degree or equivalent experience required.
- Minimum GPA 3.0 (required by the program).
- Strong analytical and quantitative skills; comfort working with financial statements.
- Good verbal and written communication skills appropriate for an entry-level role.
- Self-motivated, able to prioritize assignments and work productively with limited supervision.
- Interest in a career in commercial banking and credit analysis.
Benefits You’ll Love
- Competitive compensation and comprehensive medical and dental benefits.
- 401(k) with employer matching and other retirement savings resources.
- Tuition assistance and professional development opportunities through the program.
- Paid time off, employee volunteer programs and wellness initiatives.
- Structured development experience to build credit analysis, loan structuring and commercial banking skills.
About the Client
Confidential Client is a financial services organization operating across multiple bank brands and lines of business. This role is part of a structured Commercial Banking Development Program designed to accelerate your credit and commercial banking skills through on-the-job experience and formal development.
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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