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About the Role
As a Credit Analyst, you will be responsible for managing financial background information on customers, developing credit studies, and maintaining financial records. This role supports the Credit Administration team in analyzing credit and collateral to assess lending risk, ensuring Bank compliance, and resolving client issues.
Responsibilities
- Spread, manage, and maintain financial background information on present and prospective customers.
- Develop credit studies for Loan Officers, Chief Credit Officer, and Executive Management.
- Manage spread assignments, conduct financial analyses, and maintain related records and files.
- Prepare credit department reports.
- Analyze credit and collateral information to determine lending risk.
- Collect, organize, and analyze company financials to ensure Bank compliance.
- Update the Bank’s systems accordingly.
- Work directly with clients to resolve compliance issues and operational inquiries.
- Review client financials and perform sensitivity analysis to evaluate credit risk.
- Prepare in-depth reports with action plans based on research.
- Collaborate cross-functionally to execute treasury management products, foreign exchange instruments, derivatives, and legal documents.
- Produce loan packages for new and restructured loans.
- Facilitate reporting and requests with third parties.
- Monitor loan disbursements to ensure compliance with Bank regulations.
Requirements
- Completion of an Accounting course.
- Bachelor's degree or equivalent experience required.
- GPA of 3.0 or higher is required.
- Strong analytical, conceptual, communication, leadership, and organizational skills.
- An interest in working in Commercial Banking.
- Ability to self-motivate and work productively without supervision.
- Entry level speaking and writing communications skills.
Skills
- Analytical skills
- Conceptual skills
- Communication skills
- Leadership skills
- Organizational skills
- Financial analysis
- Credit analysis
- Report preparation
- Client communication
- Sensitivity analysis
- Treasury management products
- Foreign exchange instruments
- Derivatives
- Legal documents
Location
- Austin, TX
Work Type
- Full-time
Experience Level
- Entry level
Education Level
- Bachelor's degree
- Accounting course
Benefits
- Competitive salaries
- Ownership stake in the company
- Medical insurance
- Dental insurance
- Time off
- 401k matching program
- Tuition assistance program
- Employee volunteer program
- Wellness program
- Opportunity to bolster business knowledge
- Hands-on experience
About the Company
- Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation.
- Serves clients nationwide.
- Includes six legacy bank brands: Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank.
- Includes AmeriHome Mortgage, a Western Alliance Bank Company.
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.