2027 Commercial Banking Development Program - Credit Analyst - San Diego, CA - Life Science Banking

Western Alliance Bank•San Diego, CA

12d

About The Position

The Credit Analyst supports Western Alliance Bank’s Commercial Banking Development Program in Life Science Banking. The role spreads, manages, and maintains financial background information for current and prospective customers and develops credit studies for Loan Officers, the Chief Credit Officer, and executive management. It supports the Credit Administration team by analyzing credit and collateral information to assess lending risk and ensure bank compliance. The analyst reviews client financials, performs sensitivity analyses, prepares credit reports and loan packages, monitors loan disbursements, and works directly with clients to address compliance issues and operational inquiries. The role also collaborates with other bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents, and facilitates requests involving third parties such as field auditors and appraisers.

Requirements

Completion of an accounting course.
Bachelor's degree or equivalent experience.
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 executive management.
Manage spread assignments, conduct financial analyses, and maintain related records and files.
Prepare a variety of credit department reports.
Analyze credit and collateral information to help determine lending risk.
Collect, organize, and analyze company financials to ensure bank compliance and update bank systems.
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 cross-functionally 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.