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

Western Alliance Bank•San Diego, CA

13d

About The Position

As a Credit Analyst in the Commercial Banking Development Program, you will spread, manage, and maintain financial background information on current and prospective customers, and develop credit studies for Loan Officers, the Chief Credit Officer, and other executive management. The role includes managing spread assignments, conducting financial analyses, maintaining related records and files, and preparing credit department reports. You will support the Credit Administration team by analyzing credit and collateral information to assess lending risk. This includes collecting, organizing, and analyzing company financials to ensure Bank compliance, updating Bank systems, and working directly with clients to resolve compliance issues and operational inquiries. You will review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures, and prepare in-depth reports with action plans based on qualitative and quantitative research. The position also collaborates with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents; produces loan packages for new and restructured loans; facilitates reporting and requests involving third parties such as field auditors and appraisers; and monitors loan disbursements for compliance with Bank regulations.

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 present 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 Bank systems accordingly.
Work directly with clients to resolve compliance issues and operational inquiries.
Review client financials and perform sensitivity analysis 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, including field auditors and appraisers.
Monitor loan disbursements to ensure compliance with Bank regulations.