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About the Role

As a Senior Credit Analyst, you will be responsible for spreading, managing, and maintaining financial background information on customers, and developing credit studies for executive management. You will manage spread assignments, conduct financial analyses, and maintain related records. A key responsibility includes preparing credit department reports and supporting the Credit Administration team in analyzing credit and collateral information to determine risk. You will also collect, organize, and analyze company financials to ensure Bank compliance, update Bank systems, and work directly with clients to resolve compliance issues and operational inquiries. Additionally, you will review client financials, perform sensitivity analysis, and prepare in-depth reports with action plans based on research. You will collaborate cross-functionally to execute treasury management products, foreign exchange instruments, derivatives, and legal documents, and produce loan packages for new and restructured loans. Facilitating reporting and requests with third parties and monitoring loan disbursements for compliance are also key aspects of this role.

Responsibilities

Spread, manage and maintain financial background information on present and prospective customers
Develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management
Manage spread assignments
Conduct financial analyses
Maintain related records and files
Prepare a variety of credit department reports
Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers
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 in connection with Bank structures
Prepare in-depth reports providing plans of action based on qualitative and quantitative research
Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents
Produce loan packages for new and restructured loans
Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc.
Monitor loan disbursements to ensure compliance with Bank regulations

Requirements

2+ years of related experience in Accounting, Finance or Economics or similar field
Bachelor's degree or equivalent experience required
Entry level to intermediate knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services
Entry level to intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices
Entry level to intermediate knowledge and understanding of financial statements and ability to analyze business and financial data
Strong analytical, conceptual, communication, leadership, and organizational skills
Ability to self-motivate and work productively without supervision
Intermediate speaking and writing communication skills

Skills

Analytical skills
Conceptual skills
Communication skills
Leadership skills
Organizational skills
Financial statement analysis
Business data analysis
Financial data analysis

Location

Austin, TX

Work Type

Full-time

Experience Level

Senior
Entry level to intermediate

Education Level

Bachelor's degree or equivalent experience

Salary/Compensations

Hourly range for new hires is generally $36.74 - $45.38 for Costa Mesa, CA.
Hourly range for new hires is generally $36.74 - $36.74 for Reston, VA.
Hourly range for new hires is generally $39.93 - $49.33 for San Francisco, CA.
Salary amount is determined by specific job location.
The role may be eligible for annual bonus/incentives earned.

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.

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.