Senior Credit Analyst
2 weeks ago
Senior Credit Analyst - Housing Finance
Location:
Los Angeles
Role Overview:
The Affordable Housing division is in search of a Senior Credit Analyst to play a pivotal role in evaluating, structuring, underwriting, and facilitating the closure of significant and intricate commercial loans, ensuring adherence to the Bank's lending standards and protocols. The Senior Credit Analyst will collaborate with the Relationship Manager to oversee loans, guaranteeing that credit risks are diligently monitored and identified. This position is integral to achieving the established objectives of the Bank, region, and branch through active involvement in underwriting and closing favorable credits alongside the Relationship Manager. The Senior Credit Analyst is accountable for ensuring compliance with all Bank policies and procedures, as well as all relevant state and federal banking regulations.
Key Responsibilities:
- Collaborate closely with the Relationship Manager to cultivate new and maintain existing client relationships while ensuring a seamless credit process from initiation to completion.
- Engage with clients in person, via phone, and through email to assess their credit requirements and determine the optimal structure and necessary items for analysis.
- Collect and evaluate essential information to present, alongside the Relationship Manager, a financing proposal to senior management or the Loan Committee for approval.
- Oversee the processing of approved loans; ensure that loans are managed according to agreements, customer needs, and comply with Bank lending policies; gather adequate information and/or documentation from clients; assist in resolving issues related to processing and servicing of loans within the Relationship Manager's portfolio.
- Exemplify superior customer service through personal example and appropriate follow-through with involved clients and staff.
- Manage various underwriting, portfolio management, and maintenance tasks related to new loan requests and/or the existing portfolio of the Relationship Manager.
- Bachelor's Degree from a four-year institution, preferably in Finance or Accounting.
- 1-3 years of experience in commercial underwriting at a financial institution.
- Exceptional knowledge of credit and underwriting practices in Commercial Real Estate lending.
- Advanced expertise in financial statement and tax return analysis, typically acquired through a combination of education in accounting, finance, and/or credit analysis.
- Strong portfolio management skills, enabling timely identification of credit issues by bringing concerns to the Relationship Manager's attention.
- Excellent presentation, verbal, and written communication abilities.
- Proficient in collaborating effectively within a team-oriented environment.
- Ability to manage multiple credit requests simultaneously.
- Self-motivated, entrepreneurial mindset with a positive outlook.
Benefits:
We provide a comprehensive benefits package that includes competitive salaries, an ownership stake in the company, medical and dental coverage, paid time off, a robust 401k matching program, tuition assistance, an employee volunteer initiative, and a wellness program. Furthermore, this position offers the opportunity to enhance your business acumen, gaining insights into the operations and financial management of successful companies, which will provide invaluable hands-on experience to advance your career.
About Western Alliance Bank:
Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. The bank operates several divisions, including Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank; all are members of FDIC. AmeriHome Mortgage is also a part of Western Alliance Bank.
Western Alliance Bancorporation is dedicated to equal employment opportunities and will consider all qualified applicants without regard to race, sex, color, religion, age, national origin, marital status, disability, protected veteran status, sexual orientation, gender identity, or genetic information. The organization is committed to working with and providing reasonable accommodations for individuals with disabilities.
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