Job Title:

Location:

What you'll do:

What we are looking for:

Responsibilities:

• Reports primarily to the Credit Risk Management Review Director and secondarily to the Internal Credit Risk Review Assurance Director.
• As part of 2LOD Oversight functions, this role executes tasks, mostly quarterly, that increases the data-driven operational successes of the department, using tools such as SQL, Excel, Tableau, Capital IQ, and Power Point within Credit Risk & Review's (CR&R) Concentration and Counterparty 2LOD oversight function.
• Creates data visualizations (dashboards and reports) as the department sees fit, that are easy-to-read and insightful.
• Assists in performance and completion of special projects related to data analysis as may be assigned by CR&R Team Leaders on an ad hoc basis.
• Executes certain departmental administrative functions and reporting.
• As part of Internal Credit Risk Review, this role participates in continuous quarterly credit file testing activities and scheduled periodic loan review engagements. Executes quarterly analyses of the credit quality trends of the loan portfolios of assigned reviewable units or risk segments.
• Reviews all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable. Properly assess borrower risk profiles and risk grades of each loan/lending relationship reviewed. Capable of analyzing complex lending relationships.
• Performs proper risk-based sampling techniques for scoping continuous file reviews and periodic reviews; determines the need for expanding scope and adjusting exam procedures, as appropriate.
• Guides less experienced reviewers in determining the accuracy of assigned risk ratings and analyzing borrower risk attributes and risk factors.
• Analyzes loan reporting and tracking systems and prepares appropriate comments within Credit Risk & Review reports.
• Properly evaluates changes or weaknesses within Credit Administration processes or policies.
• Maintains a working knowledge of a variety of industries and specialty lines of business (e.g., commercial real estate, equipment leasing, mortgage warehouse lending, gaming, technology, life sciences, HOA, franchise lending, sponsor finance, leveraged lending, etc.).
• Demonstrates knowledge of regulatory requirements and expectations pertaining to credit risk management.
• Ensures consistent application of enterprise-wide Credit Policy, as well as Credit Risk & Review Policies and Procedures.
• Assists in performance and completion of special projects as may be assigned on an ad hoc basis.

Qualifications:

• Experienced credit professional with minimum three years of commercial credit experience, preferably with a background in commercial credit underwriting and credit risk management.
• Successful completion of formal credit training program is preferred, but not necessary.
• Previous credit risk review experience is preferred, but not necessary.
• Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.

• Demonstrated understanding of commercial credit principles and strong analytical skills.
• Working knowledge of accounting, financial statements and tax returns, and cash flow analyses, as well as a highly refined ability to make insightful comments relating to a borrower's current and prospective credit risk profile.
• Solid analytical and problem-solving skills are required. Ability to understand business and industry concepts in order to develop and suggest intelligent, viable solutions to problems.
• Knowledge of banking regulations and prudent commercial lending credit policies.
• Experience reviewing probability of default (PD) and loss given default (LGD) analyses.
• Effective oral, written, and interpersonal communication skills with the ability to carry out instructions and instruct others, train personnel, interpret complex documents, understand procedures, draft reports, correspondence, and procedures, and speak clearly to lenders, management, and employees.
• Good verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.
• Ability to manage multiple tasks concurrently, with a high sense of urgency.
• Works well individually and in teams, shares information, supports colleagues, and encourages participation.
• Flexibility to travel as required.
• Participate in required Bank training, including but not limited to annual BSA/AML/OFAC and Compliance Training.

Benefits you'll love:
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. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the company:

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. 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.

Western Alliance Bancorporation