Senior Credit Analyst

Western Alliance Bank•Austin, TX

7d•$37 - $49

About The Position

The Senior Credit Analyst supports the Credit Administration team by analyzing credit and collateral information to assess lending risk. The role spreads, manages, and maintains financial background information on current and prospective customers; develops credit studies for Loan Officers, the Chief Credit Officer, and other executive management; and prepares credit department reports. The analyst manages spread assignments, conducts financial analyses, and maintains associated records and files. Responsibilities also include collecting, organizing, and analyzing company financials to support Bank compliance and updating Bank systems. The analyst reviews client financials and performs sensitivity analyses to evaluate credit risk in connection with Bank structures, then prepares in-depth reports and action plans based on qualitative and quantitative research. The role works directly with clients to address compliance issues and operational inquiries, collaborates with Bank groups on treasury management products, foreign exchange instruments, derivatives, and legal documents, and produces loan packages for new and restructured loans. It also coordinates reporting and requests with third parties such as field auditors and appraisers and monitors loan disbursements for compliance with Bank regulations.

Requirements

At least 2 years of related experience in Accounting, Finance, Economics, or a similar field.
Bachelor's degree or equivalent experience.
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 the 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.

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 determine lending risk.
Collect, organize, and analyze company financials to support 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 and 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 with third parties, including field auditors and appraisers.
Monitor loan disbursements to ensure compliance with Bank regulations.