Senior Credit Analyst

Western Alliance Bank; Austin (TX); On-site; USD 50,613 - 62,515; Full time

Benefits offered by this job

Medical and dental insurance

401(k) matching program

Tuition assistance

Wellness program

Job summary

Western Alliance Bank is looking for a Senior Credit Analyst in Austin, TX. You will be responsible for managing financial background information, spreading credit studies, and supporting the Credit Administration team. The ideal candidate has a Bachelor's degree and 2+ years of finance or accounting experience.

Competitive compensation includes an hourly rate of $36.74 to $45.38, with potential annual bonuses. Additional benefits include medical and dental insurance, a 401(k) matching program, and tuition assistance.

Qualifications

• 2+ years of related experience in Accounting, Finance, Economics, or a similar field.
• Entry-level to intermediate knowledge of general banking operations, including deposit operations, loan administration, and treasury management.
• Understanding of financial statements and ability to analyze business and financial data.

Responsibilities

• Analyze credit and collateral information to determine risks involved in lending to customers.
• Collect and analyze company financials to ensure bank compliance.
• Prepare in-depth reports with action plans based on research.
• Collaborate with bank groups for treasury management products and loan packages.
• Monitor loan disbursements to ensure compliance with bank regulations.

Skills

Analytical skills

Communication skills

Leadership skills

Organizational skills

Education

Bachelor's degree in Accounting, Finance, Economics, or similar

Job description

Job Title

Senior Credit Analyst

Location

Austin, TX

Overview

As a Senior Credit Analyst you will primarily be responsible for spreading, managing, and maintaining financial background information on present and prospective customers and developing credit studies for Loan Officers, the Chief Credit Officer, and other Executive Management. You will manage spread assignments, conduct financial analyses, maintain related records and files, and prepare a variety of credit department reports.

Responsibilities

• Support the Credit Administration team in analyzing credit and collateral information to determine the risk involved in lending to customers.
• Collect, organize, and analyze company financials to ensure bank compliance, updating the bank’s systems accordingly and working 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 with action plans based on qualitative and quantitative research.
• Collaborate cross‑functionally with bank groups to execute treasury management products, foreign exchange instruments, derivatives, and legal documents; produce loan packages for new and restructured loans.
• Facilitate reporting and requests on behalf of the bank with third parties such as field auditors and appraisers; monitor loan disbursements to ensure compliance with bank regulations.

Qualifications

• 2+ years of related experience in Accounting, Finance, Economics, or a 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.
• Knowledge of applicable regulatory and legal compliance obligations, rules, and regulations, industry standards and practices.
• 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.

Compensation

Hourly range for new hires in Austin, TX generally $36.74 – $45.38. Salary amount is determined by the specific job location. The role may be eligible for annual bonuses or incentives earned.

Benefits

Competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a 401(k) matching program, tuition assistance, an employee volunteer program, and a wellness program. You will also have the opportunity to bolster your business knowledge and gain invaluable hands‑on experience to grow your career.

Equal Employment Opportunity Statement

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 [e-mail] 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.