Job Title:

Senior Credit Analyst- Mid Market

Location:

Biltmore

What you'll do:

The position of Senior Credit Analyst is responsible for spreading, managing, and maintaining financial background information on present and prospective customers, and prepares credit actions and memos for the Portfolio and Relationship Managers. Position includes managing spread assignments, conducting financial analyses, and maintaining related records and files. Additional responsibilities include portfolio maintenance, counterparty analysis and providing support for a variety of credit requests.

What we are looking for:

Performs financial statement analyses, typically involving complex and interlocking relationships for clients in the private real estate lending industry.Collects, organizes, analyzes company financials to ensure Bank compliance, and updates the Bank’s systems accordingly.Analyzes collateral information to determine the risk involved in lending money to customers.Assists lending officers and underwriters on credit matters such as new loans, annual renewals and change in terms requests. Reviews client financials and performs sensitivity analysis to evaluate credit risk in connection with Bank structures.Collaborates cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents.Analyzes commercial lending and mortgage industry trends and tailors credit actions and recommendations to current market conditions. Informs CCO/Loan Officers of relevant trends of specific loans, portfolios, or industries.  Provides credit information and references for customers, loan officers, or other agencies as requested.Performs other duties as assigned.

Qualifications:

College degree (BA) from a four (4) year College or University including completion of accounting course(s).Strong knowledge of GAAP and financial statements.Two to Three years of experience as Credit Analyst role.Strong analytical, conceptual, communication, leadership, and organizational skills.Good communication skills, both verbal and written.An interest in working in the Commercial Business Banking industry.

Desired Attributes:

Self-starter who is welcoming to constructive feedback and who works productively without supervision.Strong communication skills who proactively prioritizes over the phone communication with customers and who prioritizes face-to-face communication with internal business partners.Critical thinker who can articulate potential solutions when escalating discovered issues to supervisor.

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