2026 Commercial Banking Development Program - Credit Analyst - Costa Mesa, CA - Food & Agriculture

2026 Commercial Banking Development Program - Credit Analyst - Costa Mesa, CA - Food & Agriculture

Location : Costa Mesa

What You'll Do :

As a Credit Analyst, you'll be primarily responsible for spreading, managing, and maintaining financial background information on present and prospective customers, and developing 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. Western Alliance Food, Agriculture & Beverage, a national banking group, specializes in comprehensive financial solutions tailored to agriculture, food, and beverage production and processing companies nationwide. With a team that offers deep roots in agriculture and a commitment to exceptional service, the group's tailored banking, credit, and agriculture line solutions help clients succeed. With significant national capabilities, the Food, Agriculture & Beverage Group delivers the reach, resources, and deep industry knowledge that make a difference for customers.

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.

What You'll Need :

Compensation : Hourly range for new hires is generally $33.40 for Costa Mesa, 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, national 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