Commercial Credit Analyst Program, Locations

Responsibilities

• Complete a formal training program that includes instructor‑led sessions, web‑based learning, individual and group activities, and on‑the‑job assignments.
• Demonstrate active engagement in all training and cohort sessions by contributing to discussions, asking questions, participating in activities, and collaborating with peers.
• Complete all program assignments, exercises, and deliverables by established deadlines and to required quality standards.
• Participate in ongoing coaching and feedback sessions with senior analysts, credit associates, credit managers, and credit officers; apply feedback to improve performance.
• Demonstrate progressive readiness for independent underwriting responsibilities based on performance, capability development, and consistent application of program learning.
• Review and analyze financial statements, cash flow, leverage, liquidity, and capital structures of middle‑market, commercial real estate, and large corporate borrowers.
• Prepare comprehensive credit memoranda for new originations, renewals, amendments, and underwriting events.
• Monitor assigned loan portfolios for credit quality, covenant compliance, and early warning indicators.
• Evaluate collateral, guarantor support, covenant structures, and debt capacity.
• Partner with relationship managers, credit associates, and product specialists to support credit structuring.

• Bachelor’s degree in Finance, Accounting, Economics or a related field with cumulative GPA of 3.0
• Strong financial statement analysis and accounting fundamentals
• Analytical mindset with attention to detail and sound judgment
• Clear, concise written communication skills for credit documentation
• Ability to manage multiple priorities in a deadline‑driven environment
• Proficiency in Microsoft Excel, Word, and Power Point
• Professional curiosity and desire to build a career in credit risk
• Ability to work in a team‑oriented environment with individual assignments
• Willingness to adapt to technology changes, innovation, agility, customer centricity, change management and continuous improvement
• Travel will be required for in‑person sessions, approximately 1 week at a time throughout the program.

Demonstrates strong financial statement analysis and accounting fundamentals, with the ability to prepare comprehensive credit memoranda and monitor loan portfolios for credit quality. Exhibits clear written communication skills and a professional curiosity to build a career in credit risk.