Commercial Credit Analyst Program, All Locations

Role Overview

• 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.

Requirements

• 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 PowerPoint
• 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.

Benefits

• Medical and retirement benefits
• Forty hours of paid volunteer time each year