Commercial Banking Development Program - Credit Analyst - Los Angeles, CA - Healthcare Banking

Western Alliance Bank • Costa Mesa, CA

1d

About The Position

The Credit Analyst is primarily responsible for spreading, managing, and maintaining financial background information on current and prospective customers, and preparing credit studies for Loan Officers, the Chief Credit Officer, and other executive management. The role manages spread assignments, conducts financial analyses, maintains related records and files, and prepares credit department reports.

The position supports Western Alliance Bank’s specialized Healthcare Banking team, which serves middle-market healthcare organizations nationwide. The team provides credit solutions, treasury management, and other banking services to support clients’ working capital needs, acquisitions, and growth initiatives across healthcare sectors such as healthcare services, specialty pharmaceuticals, behavioral health, home health and hospice, medical devices, healthcare technology, hospitals, and ambulatory surgical centers. The role offers exposure to healthcare lending, financial analysis, portfolio management, industry research, and client relationship management while working with experienced healthcare banking professionals.

The Credit Analyst supports the Credit Administration team by analyzing credit and collateral information to assess lending risk. Responsibilities include collecting and analyzing company financials, maintaining Bank systems and compliance information, working directly with clients on compliance issues and operational inquiries, and preparing reports and loan packages. The role also collaborates with other Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents, and facilitates third-party reporting and requests.

Requirements

• Completion of an Accounting course.
• Bachelor’s degree or equivalent experience required.
• GPA of 3.0 or higher.
• Strong analytical, conceptual, communication, leadership, and organizational skills.
• Interest in working in Commercial Banking.
• Ability to self-motivate and work productively without supervision.
• Entry-level speaking and writing communication skills.

Responsibilities

• Spread, manage, and maintain financial background information on current and prospective customers.
• Develop credit studies for Loan Officers, the Chief Credit Officer, and other executive management.
• Manage spread assignments, conduct financial analyses, and maintain related records and files.
• Prepare credit department reports.
• Analyze credit and collateral information to assess lending risk.
• Collect, organize, and analyze company financials to ensure Bank compliance, and update the Bank’s systems accordingly.
• Work directly with clients to resolve compliance issues and operational inquiries.
• Review client financials and perform sensitivity analyses to evaluate credit risk in connection with Bank structures.
• Prepare in-depth reports with plans of action based on qualitative and quantitative research.
• Collaborate with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents.
• Produce loan packages for new and restructured loans.
• Facilitate Bank reporting and requests involving third parties such as field auditors and appraisers.
• Monitor loan disbursements to ensure compliance with Bank regulations.

Benefits

• Competitive salaries.
• Ownership stake in the company.
• Medical insurance.
• Dental insurance.
• Time off.
• 401(k) matching program.
• Tuition assistance program.
• Employee volunteer program.
• Wellness program.
• Potential eligibility for annual bonus or incentives.
• Hands-on experience and opportunities to develop business knowledge.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level