Commercial Underwriting Risk Manager

3 weeks ago

San Diego, California, United States Western Alliance Bancorporation Full time

About the Role: As a Commercial Underwriting Risk Manager, you will play a crucial part in our lending process by thoroughly assessing financial statements and identifying potential risks associated with loan requests. Your analytical skills and attention to detail will help us make informed decisions regarding credit approvals.

Key Responsibilities:

  • Financial Statement Analysis: Perform in-depth analysis of financial statements to understand the company's financial health, identify potential risks, and prepare recommendations for credit approval.
  • Risk Assessment: Evaluate loan applications and assess the level of risk associated with each request. This includes analyzing market data, collateral, and other relevant factors to ensure we're making informed decisions.
  • Collaboration with Lending Officers: Work closely with lending officers to provide guidance on credit matters, including complex loan situations that require close scrutiny.
  • Credit Information Provision: Provide credit information and references as requested by customers, loan officers, or other agencies.
  • Pre-Qualification Assessment: Conduct pre-qualification assessments and analyze the financial condition and risk of financing requests within the framework of our bank's credit culture and current economic trends.
  • Loan Presentations: Gather and analyze all necessary information to present loan requests to senior management or the Loan Committee for approval. This may involve meeting with customers, visiting loan sites, negotiating loan terms, and referring acceptance to Credit Administration.

Requirements:

  • Education: Bachelor's degree from a four-year college or university, with a minimum of seven years or more related experience and/or training; or an equivalent combination of education and experience.
  • Experience: In-depth background in financial statement analysis is essential. Educational experience through in-house training sessions, formal school, or financial industry-related curriculum should be applicable to the financial industry.
  • Skill Set: Ability to spread large, complex financial statements and tax returns, complete cash flow forecasting, make pertinent comments relating to current credit risk, demonstrate strong analytical and project management skills, and deal with difficult problems involving multiple facets and variables.
  • Compensation: The estimated salary for this role is $128,579 - $158,371 per year, based on location in San Diego, CA. Additionally, this position may be eligible for annual bonuses and incentives earned, as well as restricted stock.

Benefits: We offer competitive salaries, ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance, an employee volunteer program, and a wellness program.

About Us: Western Alliance Bank is a subsidiary of Western Alliance Bancorporation, a Member FDIC. Our divisions include Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank. We're committed to equal employment opportunity and 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.

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