Senior Credit Analyst, Innovation Banking

Western Alliance Bank•Austin, TX

10h•Onsite

About The Position

As a Senior Credit Analyst, you will be primarily responsible for spreading, managing, and maintaining financial background information on present and prospective customers, and developing credit studies for Loan Officers, the Chief Credit Officer, and other Executive Management. You will 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. You will be responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine the risk involved in lending money to customers. This includes collecting, organizing, and analyzing company financials to ensure Bank compliance, and updating the Bank’s systems accordingly. You will work 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. You will prepare in-depth reports providing plans of action based on qualitative and quantitative research. You will collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives, as well as legal documents. You will produce loan packages for new and restructured loans. You will facilitate reporting and requests on behalf of the Bank with third parties, e.g., field auditors, appraisers, etc. You will monitor loan disbursements to ensure compliance with Bank regulations.

Requirements

2+ years of related experience in Accounting, Finance or Economics or similar field.
Bachelor's degree or equivalent experience required.
Entry level to intermediate knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
Entry level to intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
Entry level to intermediate knowledge and understanding of financial statements and ability to analyze business and financial data.
Strong analytical, conceptual, communication, leadership, and organizational skills.
Ability to self-motivate and work productively without supervision.
Intermediate speaking and writing communication skills.

Nice To Haves

Opportunity to bolster 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!

Responsibilities

Spread, manage and maintain financial background information on present and prospective customers.
Develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management.
Manage spread assignments and conduct financial analyses.
Maintain related records and files.
Prepare a variety of credit department reports.
Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.
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 analysis to evaluate credit risk in connection with Bank structures.
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, foreign exchange instruments, derivatives as well as legal documents.
Produce loan packages for new and restructured loans.
Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc.
Monitor loan disbursements to ensure compliance with Bank regulations.