Western Alliance Bank-posted 3 months ago
Full-time • Entry Level
Mesa, AZ
251-500 employees

As a Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct financial analyses, and maintain related records and files. One of your key responsibilities is the preparation of a variety of credit department reports. Credit Analysts will be working in the Covenant Compliance Group as a part of a team. The Covenant Compliance Group supports all commercial lending lines of business across the bank. Our primary support is done through spreading financial statements, testing financial covenants and analyzing borrowing base reporting. Credit Analysts will be trained to read and understand financial statements, and to extract and present information necessary to make a sound lending decision.

  • Spread, manage and maintain financial background information on present and prospective customers.
  • Develop credit studies for Loan Officers, Chief Credit Officer and other Executive Management.
  • Manage spread assignments and conduct financial analyses.
  • Prepare a variety of credit department reports.
  • Work in the Covenant Compliance Group to support all commercial lending lines of business.
  • Spread financial statements, test financial covenants and analyze borrowing base reporting.
  • Perform sensitivity analysis to evaluate credit risk in adherence with Bank policy.
  • Support the Credit Administration team in analyzing credit and collateral information.
  • Collect, organize, and analyze company financials to ensure Bank compliance.
  • Work directly with clients to resolve compliance issues and operational inquiries.
  • Review client financials and perform sensitivity analysis to evaluate credit risk.
  • Prepare in-depth reports providing plans of action based on qualitative and quantitative research.
  • Collaborate cross-functionally with Bank groups to execute treasury management products.
  • Produce loan packages for new and restructured loans.
  • Facilitate reporting and requests on behalf of the Bank with third parties.
  • Monitor loan disbursements to ensure compliance with Bank regulations.
  • Completion of an Accounting course.
  • Bachelor's degree or equivalent experience required.
  • GPA of 3.0 or higher is required.
  • Strong analytical, conceptual, communication, leadership, and organizational skills.
  • An interest in working in Commercial Banking.
  • Ability to self-motivate and work productively without supervision.
  • Entry level speaking and writing communications skills.
  • Competitive salaries.
  • Ownership stake in the company.
  • Medical and dental insurance.
  • Time off.
  • Great 401k matching program.
  • Tuition assistance program.
  • Employee volunteer program.
  • Wellness program.
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