Comerica Bank
Commercial Banking Associate Houston, TX July 2026
Comerica Bank, Houston, Texas, United States, 77246
Overview
Commercial Banking Associate Houston, TX at Comerica Bank. This program-based role develops Commercial Banking Associates into well-rounded Relationship Managers with a solid credit foundation and strong relationship development skills.
Commercial Banking Development Program
20-month rotational program that includes formal credit training and two sales-focused rotations within the Commercial Bank to gain business development, sales and relationship building skills.
Professional career development through assessments, coaching, team building, and mentoring.
Exposure to senior and executive leadership. Collaborative and supportive team environment.
Gain in-depth knowledge of lending and non-lending products and services, including Treasury Management, Wealth Management, Foreign Exchange, and Global Capital Markets.
Lines of Business: Business Banking and Middle Market. Rotations may require Associates to commute to different office locations throughout the program.
Position Responsibilities Phase I: Credit Rotation
Formal Credit Training takes place within a Commercial Underwriting Center. Complete a 3-week intensive classroom training session with a 1-week travel requirement to Dallas headquarters.
Prepare loan approval packages, in partnership with Relationship Managers and Portfolio Managers, for credit decisioning.
Provide complete analysis of loan approval packages for new credit requests and annual reviews of existing relationships using underwriting methods established by Credit Administration.
Analyze financial information to identify key strengths, credit risks, and mitigating factors.
Determine appropriate loan structures and banking solutions to meet customer needs.
Monitor credit exposure for portfolio relationships.
Phase II: Sales Rotations
Two sales rotations through different lines of business, each lasting four months, with structured sales training and real-world experience alongside seasoned Relationship Managers.
Analyze/structure debt facilities, conduct relationship reviews, create marketing plans, identify ancillary product opportunities, and conduct industry research.
Observe and participate in prospect and customer calls, sales meetings, and loan committee discussions.
Learn risk mitigation processes and understand risk and compliance considerations.
Understand loan documentation and the loan closing process.
Develop understanding of Comerica's product and service offerings.
Program Completion
Successful completion of all training and practical application across rotations.
Prepare a final project presentation demonstrating Sales and Credit skills learned.
Initial placement into Relationship Manager I, First Level Officer position.
Placement may require relocation and is subject to business needs and performance.
Position Qualifications Minimum Qualifications
Bachelor's Degree
Two (2) Accounting courses (6 units)
1 year experience with Microsoft Office Applications (Word, Excel, PowerPoint, Outlook)
Preferred Qualifications
Bachelor's Degree in Business, Economics, or similar field
Overall GPA of 3.0 and 3.0 GPA in two Accounting courses
0 – 2 years experience
This position is not eligible for sponsorship. Must have indefinite employment authorization.
Seeking Candidates With
Excellent interpersonal, verbal, and written communication skills
Analytical, problem solving, and technical aptitude
Time management and ability to handle multiple assignments
Strong work ethic, customer focus, and commitment to communities served
Work Details
Work Style: In-office expectations may vary; days in the office could be 2-5 per week.
Hours: 8:00am - 5:00pm, Monday - Friday
Salary: To Be Determined Based on Experience
About Comerica Comerica focuses on relationships and supporting the success of people and businesses. We offer Total Rewards, including health, retirement, and paid time off programs. Comerica is an Equal Opportunity Employer – disability/veteran.
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Commercial Banking Development Program
20-month rotational program that includes formal credit training and two sales-focused rotations within the Commercial Bank to gain business development, sales and relationship building skills.
Professional career development through assessments, coaching, team building, and mentoring.
Exposure to senior and executive leadership. Collaborative and supportive team environment.
Gain in-depth knowledge of lending and non-lending products and services, including Treasury Management, Wealth Management, Foreign Exchange, and Global Capital Markets.
Lines of Business: Business Banking and Middle Market. Rotations may require Associates to commute to different office locations throughout the program.
Position Responsibilities Phase I: Credit Rotation
Formal Credit Training takes place within a Commercial Underwriting Center. Complete a 3-week intensive classroom training session with a 1-week travel requirement to Dallas headquarters.
Prepare loan approval packages, in partnership with Relationship Managers and Portfolio Managers, for credit decisioning.
Provide complete analysis of loan approval packages for new credit requests and annual reviews of existing relationships using underwriting methods established by Credit Administration.
Analyze financial information to identify key strengths, credit risks, and mitigating factors.
Determine appropriate loan structures and banking solutions to meet customer needs.
Monitor credit exposure for portfolio relationships.
Phase II: Sales Rotations
Two sales rotations through different lines of business, each lasting four months, with structured sales training and real-world experience alongside seasoned Relationship Managers.
Analyze/structure debt facilities, conduct relationship reviews, create marketing plans, identify ancillary product opportunities, and conduct industry research.
Observe and participate in prospect and customer calls, sales meetings, and loan committee discussions.
Learn risk mitigation processes and understand risk and compliance considerations.
Understand loan documentation and the loan closing process.
Develop understanding of Comerica's product and service offerings.
Program Completion
Successful completion of all training and practical application across rotations.
Prepare a final project presentation demonstrating Sales and Credit skills learned.
Initial placement into Relationship Manager I, First Level Officer position.
Placement may require relocation and is subject to business needs and performance.
Position Qualifications Minimum Qualifications
Bachelor's Degree
Two (2) Accounting courses (6 units)
1 year experience with Microsoft Office Applications (Word, Excel, PowerPoint, Outlook)
Preferred Qualifications
Bachelor's Degree in Business, Economics, or similar field
Overall GPA of 3.0 and 3.0 GPA in two Accounting courses
0 – 2 years experience
This position is not eligible for sponsorship. Must have indefinite employment authorization.
Seeking Candidates With
Excellent interpersonal, verbal, and written communication skills
Analytical, problem solving, and technical aptitude
Time management and ability to handle multiple assignments
Strong work ethic, customer focus, and commitment to communities served
Work Details
Work Style: In-office expectations may vary; days in the office could be 2-5 per week.
Hours: 8:00am - 5:00pm, Monday - Friday
Salary: To Be Determined Based on Experience
About Comerica Comerica focuses on relationships and supporting the success of people and businesses. We offer Total Rewards, including health, retirement, and paid time off programs. Comerica is an Equal Opportunity Employer – disability/veteran.
#J-18808-Ljbffr