Senior Credit Analyst

Western Alliance Bank•Phoenix, AZ

About The Position

As a Senior Credit Analyst, you'll be primarily responsible to manage financial spread assignments, review spreads, maintain financial background information on present and prospective customers, and develop various credit underwriting assignments for the Portfolio Managers, Loan Officers, Chief Credit Officer and other Executive Management. Responsible for supporting the Mortgage Servicing Rights team in analyzing credit and collateral information to determine risk involved in lending money to customers. Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates 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.

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.

Responsibilities

Manage financial spread assignments
Review spreads
Maintain financial background information on present and prospective customers
Develop various credit underwriting assignments for the Portfolio Managers, Loan Officers, Chief Credit Officer and other Executive Management
Support the Mortgage Servicing Rights team in analyzing credit and collateral information to determine risk involved in lending money to customers
Collecting, organizing, analyzing company financials to ensure Bank compliance
Updates 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