Commercial Banking Associate Houston, TX January 2026

Commercial Banking Development Program

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. This 20-month rotational program 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 :

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.

Qualifications

Position Qualifications

Minimum Qualifications

Bachelor's Degree

Two (2) Accounting courses (6 units)

1 year experience with Microsoft Office Applications (Microsoft Word, Excel, PowerPoint, Outlook)

Preferred Qualifications

Bachelor's Degree in Business, Economics, or similar degree 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

Exceptional analytical, problem solving, and technical aptitude

Time management skills and ability to handle multiple assignments

Strong work ethic, customer-focus, and commitment to the communities we serve.

About Comerica

We know our employees are critical to our overall success and we are dedicated to investing in their future. One of the ways we do this is to offer a comprehensive Total Rewards package designed to recognize and reward individual performance, as well support health, well-being, development and security for our colleagues and their family. Total Rewards consists of cash compensation, development and flexible benefit programs designed to meet individual needs today and in the future. Your salary will be commensurate with your work experience and our programs are reviewed regularly to ensure each remain competitive. We are proud to offer benefits such as health and welfare programs, strong retirement benefits, and generous paid time off programs. You and your eligible family members, including domestic partners and their children, can participate in medical, dental, and vision benefits, 401(k) and pension, income protection benefits such as life insurance, AD&D, and supplemental health programs to offset unexpected health care expenses. We also have a variety of time off programs for things like vacation, sick time, disability, and parental leave. Eligibility for some programs varies based on employment status and tenure.

Comerica Incorporated (NYSE : CMA) is a financial services company headquartered in Dallas, Texas, and strategically aligned into three major business segments; the Commercial Bank, the Retail Bank, and Wealth Management. Comerica's colleagues focus on relationships, and helping people and businesses be successful. In addition to Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico.

Comerica is proud to be an Equal Opportunity Employer-disability / veteran