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2026 Commercial Banking Development Program - Credit Analyst - Carmel Valley, CA - Portfolio Management

Western Alliance Bancorporation
dental insurance, tuition assistance, 401(k)
United States, California, San Diego
Oct 10, 2025
Job Title: 2026 Commercial Banking Development Program - Credit Analyst - Carmel Valley, CA - Portfolio Management Location: Carmel Valley What you'll do: 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 Credit Analyst will support a centralized portfolio management team overseeing $1 billion in commercial loan commitments (real estate, term, revolving lines, etc.). Primary responsibilities include alert monitoring and resolution (past due payments, maturing loans, credit score deterioration etc.), submitting and reviewing financial spreads and covenant tests, addressing loan defaults, and preparing loan modifications, among numerous other tasks. Eventually, the Credit Analyst will be introduced to underwriting renewing and originating loans, with the objective of developing them into an Underwriter or Portfolio Manager on the team, or elsewhere in the bank. 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. What you'll need: 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. Compensation: Hourly range for new hires is generally $33.40 for San Diego, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned. Benefits you'll love: 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! About the company: Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. Western Alliance Bancorporation