Senior Credit Analyst
| Company | Western Alliance |
|---|---|
| Location | Phoenix, AZ, USA |
| Salary | $Not Provided – $Not Provided |
| Type | Full-Time |
| Degrees | Bachelor’s |
| Experience Level | Senior |
Requirements
- College degree (BA) from a four (4) year College or University
- Two to Three years of experience as a Credit Analyst, or similar analytical or commercial underwriting role
- Strong knowledge of GAAP and financial statements
- Strong analytical, conceptual, communication, leadership, and organizational skills
- Good communication skills, both verbal and written
- An interest in working in the Commercial Business Banking industry
- Strong communication skills who proactively prioritizes over the phone communication with customers and who prioritizes face-to-face communication with internal business partners
- Critical thinker who can articulate potential solutions when escalating discovered issues to supervisor.
Responsibilities
- Spreading, managing, and maintaining financial background information on present and prospective customers
- Preparing credit actions and memos for the Portfolio and Relationship Managers
- Managing spread assignments and conducting financial analyses
- Maintaining related records and files
- Performing financial statement analyses, typically involving complex and interlocking relationships for clients in the mortgage services lending industry
- Collecting, organizing, analyzing company financials to ensure Bank compliance, and updating the Bank’s systems accordingly
- Analyzing collateral information to determine the risk involved in lending money to customers
- Assisting lending officers and underwriters on credit matters such as new loans, annual renewals and change in terms requests
- Reviewing client financials and performing sensitivity analysis to evaluate credit risk in connection with Bank structures
- Collaborating cross-functionally with Bank groups to execute treasury management products, derivatives as well as legal documents
- Analyzing commercial lending and mortgage industry trends and tailoring credit actions and recommendations to current market conditions
- Informing CCO/Loan Officers of relevant trends of specific loans, portfolios, or industries
- Providing credit information and references for customers, auditors, loan officers, or other agencies as requested
- Performing other duties as assigned.
Preferred Qualifications
-
No preferred qualifications provided.