Senior Credit Risk Reviewer

Western Alliance Bank•Scottsdale, AZ

2d•$115,915 - $143,185

About The Position

As a Senior Credit Risk Reviewer you'll plan and execute quarterly continuous credit file examinations and/or process reviews for assigned reviewable business units, and participating in other review assignments. You'll perform and lead activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently provide feedback on the adequacy of underwriting analyses, accuracy and timeliness of risk grading decisions, appropriateness of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality. You'll independently monitor credit risk trends within assigned commercial lending risk segments, attend relevant meetings, and develop and maintain relationships with internal stakeholders responsible for credit approval. Lead continuous quarterly credit file examination activities and process review engagements and execute quarterly analyses of the credit quality trends of the loan portfolios of assigned reviewable units or risk segments. Review all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable, and properly assess borrower risk profiles and risk grades of each loan/lending relationship reviewed. Perform proper risk-based sampling techniques for scoping continuous quarterly file examinations and determine the need for expanding scope and adjusting exam procedures, as appropriate. And guide less experienced reviewers in determining the accuracy of assigned risk ratings, and analyzing borrower risk attributes and risk factors. Maintain a strong working knowledge of a variety of industries and specialty lines of business (e.g., commercial real estate, equipment leasing, mortgage warehouse lending, gaming, technology, life sciences, HOA, franchise lending, sponsor finance, leveraged lending, etc.). Demonstrate an excellent knowledge of regulatory requirements and expectations pertaining to credit risk management and ensure consistent application of enterprise-wide Credit Policy, as well as Credit Risk & Review Group Policies and Procedures. Lead and develop a team; responsible for hiring, coaching, performance management, training and development.

Requirements

3+ years of related experience in Risk Management, Credit Risk & Review Group or similar field.
Bachelor's degree in related field required.
Intermediate to advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
Intermediate to advanced knowledge of accounting, financial statements and tax returns, and cash flow analyses, as well as a highly refined ability to make insightful comments relating to a borrower’s current and prospective credit risk profile.
Intermediate to advanced knowledge of analytical and problem-solving skills are required.
Ability to understand business and industry concepts in order to develop and suggest intelligent, viable solutions to problems.
Intermediate speaking and writing communication skills.

Responsibilities

Plan and execute quarterly continuous credit file examinations and/or process reviews for assigned reviewable business units, and participating in other review assignments.
Perform and lead activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently provide feedback on the adequacy of underwriting analyses, accuracy and timeliness of risk grading decisions, appropriateness of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality.
Independently monitor credit risk trends within assigned commercial lending risk segments, attend relevant meetings, and develop and maintain relationships with internal stakeholders responsible for credit approval.
Lead continuous quarterly credit file examination activities and process review engagements and execute quarterly analyses of the credit quality trends of the loan portfolios of assigned reviewable units or risk segments.
Review all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable, and properly assess borrower risk profiles and risk grades of each loan/lending relationship reviewed.
Perform proper risk-based sampling techniques for scoping continuous quarterly file examinations and determine the need for expanding scope and adjusting exam procedures, as appropriate.
Guide less experienced reviewers in determining the accuracy of assigned risk ratings, and analyzing borrower risk attributes and risk factors.
Maintain a strong working knowledge of a variety of industries and specialty lines of business (e.g., commercial real estate, equipment leasing, mortgage warehouse lending, gaming, technology, life sciences, HOA, franchise lending, sponsor finance, leveraged lending, etc.).
Demonstrate an excellent knowledge of regulatory requirements and expectations pertaining to credit risk management and ensure consistent application of enterprise-wide Credit Policy, as well as Credit Risk & Review Group Policies and Procedures.
Lead and develop a team; responsible for hiring, coaching, performance management, training and development.