2026 Commercial Banking Development Program - Credit Analyst - Biltmore, AZ - MSR Lending

2026 Commercial Banking Development Program - Credit Analyst - Biltmore, AZ - MSR Lending

Biltmore

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 Specialized Mortgage Services Group provides lending, deposit, and treasury management services to businesses involved with the origination, purchase, and servicing of real estate secured loans. This group is comprised of four primary areas (i) Warehouse Lending Residential Consumer Mortgages; (ii) MSR Lending Servicing Rights on Residential Consumer Mortgages; (iii) Correspondent Mortgage Solutions Purchase of Residential Consumer Mortgages to be held on the Bank's balance sheet; and (iv) Note Finance Commercial Mortgages secured by commercial and residential real estate. The subject position will assist the MSR Lending credit team with managing the portfolio on a day-to-day basis. Tasks include, but are not limited to, spreading financials, reviewing compliance covenants, conducting financial analyses on related counterparties, collecting customer applications, facilitating information requests with third parties vendors, and maintaining and monitoring related records and files. The position also routinely collaborates with our Warehouse Lending, Treasury Management, and Note Finance teams to provide our MSR clients with a deep banking and deposit relationship.

Responsibilities :

• Support 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.

Requirements :

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.