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About the Role

Underwrite complex loan requests and renewals for various commercial lending products, build internal relationships, and assess risks to provide recommendations to Credit Administration.

Responsibilities

• Underwrite complex loan requests and renewals for working capital lines of credit, commercial real estate loans, term loans, formula based lines of credit, traditional asset based lines of credit and other Bank lending products.
• Build internal relationships by working with lending officers on credit matters and loans involving unusual situations or requiring close scrutiny.
• Review loan structure, financial spreads, entity structures, collateral, market data and reports to understand inherent risks.
• Prepare recommendations to Credit Administration in the form of opportunity memos, loan presentations, administrative action memos, and annual reviews.
• Mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions and identifying risks and tangible mitigating factors to credit risk.
• Perform special financial statement analyses, typically involving complex and interlocking relationships.
• Provide credit information and references for customers, loan officers, or other agencies as requested.
• Perform pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of Bank credit culture and current economic and industry trends.
• Gather and analyze all information necessary to present a financing request to senior management or Loan Committee for approval.
• Meet with existing or potential customers.
• Visit sites of loans.
• Negotiate loan terms and conditions.
• Refer and recommend acceptance to Credit Administration.

Requirements

• 6+ years of related experience.
• Bachelor's degree or equivalent experience required.
• Advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
• Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Advanced speaking and writing communication skills.

Location

• CA - San Francisco

Work Type

• Full-time

Experience Level

• 6+ years of related experience

Education Level

• Bachelor's degree or equivalent experience

Salary/Compensations

• $129,995.00 - $160,581.00

Benefits

• Competitive salaries
• Ownership stake in the company
• Medical and dental insurance
• Time off
• Great 401k matching program
• Tuition assistance program
• Employee volunteer program
• Wellness program
• Opportunity to bolster business knowledge
• Invaluable hands-on experience to help grow your career

About the Company

• Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation.
• Serving clients nationwide, Western Alliance Bank includes six legacy bank brands — Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank — that remain part of the company’s heritage, as well as AmeriHome Mortgage, a Western Alliance Bank Company.
• With more than $80 billion in assets, Western Alliance Bancorporation (NYSE:WAL) is one of the country’s top-performing banking companies.
• Through its primary subsidiary, Western Alliance Bank, Member FDIC, clients benefit from a full spectrum of tailored commercial banking solutions and consumer products, all delivered with outstanding service by industry experts who put customers first.
• Major accolades include being ranked as a top U.S. bank in 2023 by American Banker and Bank Director.
• Serving clients across the country wherever business happens, Western Alliance Bank operates individual, full-service banking and financial brands with offices in key markets nationwide.

Equal Opportunity

• 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.
• Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.