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Central Texas Associate Credit Analyst - BDP

Corporate Job Titles
Amegy Bank
051039 Requisition #

At Amegy Bank, everyone counts. Your contributions are valued, and everyone has the opportunity to grow in their career. We're committed to doing the very best for our customers, our communities and our employees.


Amegy’s culture empowers employees to be proactive, build and maintain positive relationships, and take advantage of countless opportunities to learn, volunteer, and network. Amegy offers extensive support for career development and maintains an “open door” policy. Executives, managers, and supervisors are easily accessible, so employees can openly discuss questions, issues, or suggestions with their leaders.


Amegy Bank is a division of Zions Bancorporation, N.A., which operates in nearly 500 local financial centers across 11 Western states. With more than 75 locations and 2,000 employees, Amegy Bank offers the capabilities and resources of a large bank but maintains the qualities of a local bank.

Banker Development Program

The Amegy Bank Banker Development Program (BDP) is a rotational credit and sales training program designed to provide a solid foundation in the basics of banking. It provides an opportunity to apply finance and accounting skills to assess credit and business risk, while also developing strong sales skills within the first year of employment through hands-on experience.

The program develops credit analysts into well-rounded bankers with strong prospecting and relationship management skills. It offers a defined career path, which begins with classroom training and transitions into the opportunity to rotate through various lending departments.

Throughout the program, analysts also receive mentors who serve as additional resources and trusted advisors.


  1. Phase 1: Initial Training Phase
  2. Phase 2: Rotations
  3. Phase 3: Placement

Phase One: Initial Training

The Initial Training Phase (ITP) is 4-5 months of classroom training at Amegy Bank’s headquarters in Houston. You will have two 2-week trainings at Zions Bancorporation’s headquarters in Salt Lake City, Utah.

Topics Covered:
  • Introductory banking and analytical concepts
  • Bank-specific systems training
  • Moody’s self-study courses designed to teach the analytical process and decision-making techniques needed to make sound credit decisions
  • Credit underwriting
  • Mock write-ups based on case studies
  • Professional etiquette and sales training
  • Introductions to senior management

Phase Two: Rotations

The rotational phase is 12-20 months of on-the-job training through assignments to specific lending groups.

  • Perform analytical work required for assigned department
  • Shadow bank officers in client and prospect meetings
  • Assist in prospecting and business development efforts
  • Underwrite financial statement analysis and credit presentation packages
  • Participate in loan approval presentations
  • Review portfolio credit risk
  • Attend seminars and ongoing training
  • Participate in discussion sessions on banking concepts
  • Build one-on-one working relationships with high-level decision makers

Within the Banker Development Program, you have two track options to choose from: Business Banking Credit Analyst and Credit Analyst. While both tracks go through the same Initial Training Phase, they differ in the rotations and eventual placement. Both track options are available in Houston, Dallas/Fort Worth and Central Texas.

The Credit Analyst track is designed for individuals interested in serving medium to large size businesses with over $20 million in revenue. These analysts receive in-depth exposure to various lending groups including specialty lines of business. Each analyst is required to rotate through 4-7 lending groups; each rotation is approximately 13 weeks. Rotation options for the Credit Analyst track are below:

  • Commercial Lending
  • Private Banking
  • Commercial Real Estate
  • Corporate Banking
  • Energy Lending (Houston and DFW)
  • Global Banking (Houston and CTX)

Houston Only:

  • Healthcare and Not-for-Profit
  • Special Assets and Credit
  • Syndications

Dallas/Fort Worth and Central Texas analysts will spend their first 4-5 months in Houston for ITP before relocating to their Market for rotations.

Phase Three: Placement

Takes place approximately 16-26 months after beginning the program; dependent on employee tenure, performance, and staffing needs.

Career Progression for the Credit Analyst Track
  • Associate, Officer (3 to 4 years)
  • Assistant Vice President, Relationship Manager II/Portfolio Manager II (4 to 5 years)
  • Vice President (5+ years)
  • Manage your own portfolio 2-4 years out of the program
  • Work primarily with CFOs and CEOs
  • Help middle market and larger businesses achieve their goals

Minimum Requirements:

  • B.B.A Finance or Accounting
  • Minimum overall GPA of 3.0*
  • 9 hours of accounting courses, including Intermediate Accounting I**
  • Leadership skills and community involvement
*Please include GPA on your résumé.

**Please attach a TRANSCRIPT, showing all accounting classes, to your application (required at the time of interview). 


Additional Qualifications:

  • Excellent communication, presentation, and interpersonal skills
  • Detail oriented, organized, analytical, with proven problem-solving abilities
  • Highly motivated, self-starter attitude
  • Prior internship / work experience is a plus

Zions Bancorporation and its affiliates and divisions (“Zions”) is an equal opportunity employer which prohibits all forms of discrimination and harassment. Zions is committed to the principle of equal employment opportunity for all employees and employment candidates and to providing a work environment free of discrimination and harassment. All employment decisions at Zions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, ethnicity, sex, sexual orientation, gender identification, age, national origin, pregnancy, veteran status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Zions will not tolerate discrimination or harassment based on any of these characteristics. Zions encourages applicants of all ages.


It is Zions’ policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.


Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site.  You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7628.  Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.


Click here to view our EEO Statement.


Click here to view applicable Federal, State and/or local employment law posters.

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