2026 Commercial Banking Development Program - Credit Analyst - Phoenix, AZ - Digital Assets

About the position

As a Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct financial analyses, and maintain related records and files. One of your key responsibilities is the preparation of a variety of credit department reports. The Digital Assets team is responsible for identifying and developing innovative solutions that enhance Western Alliance Bank’s product capabilities, improve client experience, and strengthen operational efficiency. This team plays a key role in advancing first line of defense (1LOD) risk management while designing next generation digital payment and onboarding solutions. The group collaborates closely with the Digital Assets Group (DAG), Technology, Operations, Risk, and Product partners to evaluate emerging market trends, assess digital asset opportunities, develop wallet capabilities, and create digital onboarding solutions powered by AI and modern APIs. Through this work, the team supports strategic initiatives that drive growth, deepen client engagement, and expand Western Alliance Bank’s digital footprint. Responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers. Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates 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 as well as 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, etc. Monitor loan disbursements to ensure compliance with Bank regulations.

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, and maintain related records and files
• Preparation of a variety of credit department reports
• Analyzing credit and collateral information to determine risk involved in lending money to customers
• Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates 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 as well as 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, etc.
• Monitor loan disbursements to ensure compliance with Bank regulations

Requirements

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

• We offer all the important things you'd want — like 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, and a wellness program.
• In addition, you’ll have the 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!