Job Title:

Location:

What you'll do:

What we are looking for:

What you will do

• Spreads financial statements and tax returns into appropriate analysis software.
• Reviews and researches proposed collateral, including review of real property appraisals, UCC-1 filings, etc.
• Summarizes credit analysis in loan presentations and other credit documents.
• Prepares other reports as required by Credit Administration.
• Provides loan account risk ratings based on Bank policy and grading procedures.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
• Understands business implications of decisions, displays orientation to profitability, demonstrates knowledge of market and competition and aligns work with strategic goals.
• Assures compliance with all Bank policies and procedures, as well as all applicable, state and federal banking regulations. Keeps up with changes to banking regulation and completes bank training courses on-line.
• Independently underwrites new credits and/or changes to existing credits and manages appropriate loan covenants to provide early triggers to detect deterioration of the credit.
• Plays key role in working with loan coordinators to obtain information needed to underwrite the credit requests.
• Joins relationship managers on client calls and visits to discuss new credit requests.
• Communicates with clients independently of the Relationship Manager for credit related questions.
• Is involved in the post approval credit process from closing to ongoing portfolio management.
• Takes lead and reviews work/spreads completed by credit analysts and provides feedback and guidance.
• Consistently applies good decision-making techniques pertaining to inquiries, approvals, and requests as they apply to existing policies and procedures.
• Maintains strict confidentiality of all records and data received and produced.
• Follows policies and procedures, completes administrative tasks correctly and on time, supports the Bank's goals and values, benefits the bank through outside activities.
• May perform onsite property and business inspections
• May make presentations to Credit Administration and Loan Committee

What you need to have

• Bachelor's degree (BA or BS) from a four (4) year college or university that includes accounting, economics, and finance emphasis, and 5 or more years of related experience in commercial & industrial lending
• Excellent written and verbal communication
• Proficient in office equipment such as computers, copiers, etc.
• Proficient with basic office software applications such as Word and Excel

• Proficient with business financial spreading software (e.g. Risk Analyst, Credit LensTM)
• Proficient with personal tax return spreading software (e.g. Paul Buker's Tax AnalysisTM)Qualifications:

• Knowledge and training in financial statement and tax return analysis, typically resulting from a combination of education and work experience in accounting, financial and/or credit analysis or related areas
• Knowledge and training in all lending activities and terminology
• Knowledge of commercial, construction, real estate, and consumer loan processing
• Knowledge of loan documentation such as notes, security agreements, loan agreements, guaranties, etc.
• Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies
• Current state driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities

Benefits you'll love:
We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

Western Alliance Bancorporation