Phase I Initial Training Houston, TX (4-5 months)
(As an Associate Business Banking Credit Analyst in the Initial Training Phase your employment status is non-exempt)
The initial classroom training takes place in Houston, Texas at Amegy Bank's headquarters and also in Salt Lake City, Utah at Zions Bancorporation's headquarters for two training sessions that are each two weeks in length. This phase is the more highly structured and managed phase of the program. Topics covered during the Initial Training Phase include introductory banking and analytical concepts as well as bank-specific administrative training. Some travel to Utah is required to complete this phase.
As a requirement of the initial training, Associate Business Banking Credit Analysts complete the following series of Omega self-study courses or Zions lectures: Omega's Financial Accounting for Lenders, Omega's Commercial Loans to Business, Commercial Real Estate Loan Analysis, Managing Portfolio Risk, and Understanding Personal Cash Flow. These courses are designed to teach the analytical process and decision-making techniques needed to make sound credit decisions.
In addition to the self study materials, during initial training, Associate Business Banking Credit Analysts participate in:
Mock write-ups based on case studies
Discussion sessions to review concepts introduced in the self-study materials
Training to perform credit underwriting according to bank policy
Introductions to senior management
Department tours providing an overview of bank operations
Professional etiquette and sales training
Phase II Rotations Houston, TX (6 months) and San Antonio, TX (6 months)
(As a Business Banking Credit Analysts in the Rotational Phase your employment status is exempt)
The primary objective of Phase II is on the job training and calling skills development. Business Banking Credit Analysts work closely with different groups within Amegy that will prepare them for a future in sales as a Banking Officer. Analysts will be expected to attend customer/prospect calls, participate in prospecting efforts, and perform credit underwriting for loan approval. Central Texas Business Banking Credit Analysts can expect to spend their first 10 to 11 months of employment in Houston before relocating to San Antonio for the remaining 6 months of the Officer Development Program and placement.
On the job training is accomplished through a structured rotation system. Business Banking Credit Analysts are assigned to specific areas that will enhance their credit and customer calling abilities. The rotation cycle will last for up to 4 rotations, with each rotation lasting approximately 13 weeks. During these rotations, the Business Banking Credit Analysts perform analytical work required for that particular department and will join the Officers when meeting with customers and prospecting new business.
Specific responsibilities include:
Shadowing Bank Officers in customer/prospect meetings
Assisting in prospecting and business development efforts
Preparation of financial statement spreads and credit analysis
Participation in seminars and on-going training sessions
The Business Banking Credit Analysts will be expected to do rotations through the following areas:
Commercial Lending in Houston
Business Banking Portfolio Management Group with SBA exposure in Houston
Last two rotations will be spent in the Central Texas market
The rotation system offers each Business Banking Credit Analyst equal and in-depth exposure to Business Banking and other groups within the Amegy Community Banking Partnership. This partnership includes the areas of expertise that surround the needs of small to middle market businesses such as government guaranteed lending and the centralized underwriting group.
Participants who successfully complete the Central Texas Business Banking Credit Analyst Program can anticipate an exciting career path in banking.
Placement out of the program is dependent on employee tenure, performance, and staffing needs and generally takes place around 16 to 17 months following employment.
The first promotion out of the Business Banking Credit Analyst Program is to an Officer position. Officers have loan portfolio responsibilities with a focus on learning business development and relationship management. Initial placement as an Officer is for 6 months to a year.
The next promotion is to Business Banking Relationship Manager II, Assistant Vice President and is dependent on employee tenure, performance, and the amount of time that has lapsed since last promotion. This role focuses on individual loan portfolio management, generating business and self-driven success. This promotion typically comes between the 2nd and 3rd year of employment.
For more information, visit us online at: www.amegybank.com