AVP, Commercial Underwriting Specialist

7 days ago

San Diego, California, United States Western Alliance Bank Full time
Job Title: AVP, Commercial Underwriting

Location: CA - San Diego, 450 B St

About the Role:

We are seeking an experienced Commercial Underwriter to join our team at Western Alliance Bank. As a Commercial Underwriter, you will be responsible for underwriting new business loan requests and renewals for working capital lines of credit, owner-occupied commercial real estate loans, term loans, formula-based lines of credit, traditional asset-based lines of credit, and other Bank lending products.

Key Responsibilities:
  • Analyze and interpret business financial statements and tax returns to determine financial trends, identify risks and weaknesses, and mitigating factors.
  • Compute traditional and UCA cash flow.
  • Analyze personal financial statements and tax returns.
  • Analyze credit reports.
  • Analyze loan requests and determine the proper loan structure.
  • Analyze collateral such as accounts receivable, inventory, equipment, real property.
  • Analyze industries for relevant trends and determine the likely impact on business applicants.
  • Correctly apply loan policy and identify exceptions.
  • Synthesize analysis to properly risk rate credits.
  • Communicate analysis in well-written and thorough loan presentations.
Requirements:
  • Bachelor's degree (BA or BS) from a four (4) year college or university that includes accounting, economics, and finance emphasis, and 5 years of related experience or an equivalent combination of education and experience.
  • Knowledge and training in financial statement and tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
  • Knowledge and training in all lending activities and terminology.
  • Knowledge of commercial, construction, real estate, and consumer loan processing.
  • Knowledge of loan documentation such as notes, security agreements, loan agreements, guaranties, etc.
  • Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
  • Excellent written and verbal communication.
  • Proficient with business financial spreading software (e.g. Risk Analyst, Credit LensTM) is preferred.
  • Proficient with personal tax return spreading software (e.g. Paul Buker's Tax AnalysisTM) is preferred.
What We Offer:
  • Salary range for new hires is generally $107,395.00 - $125,000.00 for San Diego, CA.
  • Salary amount is determined by specific job location.
  • The role may be eligible for annual bonus/incentives earned and restricted stock.
Benefits:
  • We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program.
About Us:

Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity, or genetic information.

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