Commercial Banking Development Program Location: San Francisco, CA (Hybrid) Start Date: Updated - July 2025 The Commercial Banking Development Program is an accelerated and challenging career path designed to develop Commercial Banking Associates into well-rounded Relationship Managers that exhibit a solid credit foundation and strong relationship development skills. * 20-month rotational program that includes formal credit training and two sales-focused rotations within the Commercial Bank to gain valuable 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. During Phase I, Commercial Banking Associates will complete a 3-week intensive classroom training session, which includes 1-week of travel to our headquarters office in Dallas, TX. As part of the on-the-job credit training, Associates will perform the following underwriting responsibilities: * 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, as well as annual reviews of existing relationships, utilizing the various underwriting methods as established by Credit Administration. * Analyze financial information to identify key strengths, credit risks, and mitigating factors associated with credit requests. * Determine appropriate loan structures and banking solutions to meet customer needs. * Monitor credit exposure for portfolio relationships. Phase II: Sales Rotations Sales Rotations take place within an assigned Commercial Bank Group. Commercial Banking Associates will complete a structured sales training curriculum and gain real-world experience working alongside seasoned Relationship Managers. During the Phase II, there will be two Sales Rotations through different Lines of Business, each rotation lasting four months. Associates will demonstrate their credit and sales skills, with direct involvement in the prospecting and loan approval process. Specific responsibilities include: * Working with Commercial Bank Group to analyze/structure debt facilities, conduct relationship reviews, create marketing plans, identify ancillary product opportunities, and conduct industry research * Observing and participating in prospect and customer calls * Observing and participating in sales, workload, and loan committee, meetings * Learning risk mitigation processes and understand various aspects of risk and compliance * Gaining an understanding of loan documentation and the loan closing process * Developing an understanding of the full breadth of Comerica's products and services offerings Program Completion * Successful completion of all credit and sales training coursework and practical application across all rotations. * Prepare a final project presentation that demonstrates Sales and Credit skills learned in the program. * Initial placement into Relationship Manager I, First Level Officer position. Placement out of the program may require relocation and is subject to business needs, performance, and will take into consideration individual preferences when possible. Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled