Senior Credit Analyst

westernalliancebank; Denver (CO); On-site; USD 105,275,000 - 130,032,000; Full time

Benefits offered by this job

Competitive salaries

401k matching program

Tuition assistance program

Employee volunteer program

Wellness program

Job summary

Western Alliance Bank in Denver, CO is seeking a Senior Credit Analyst to analyze financial data, prepare credit studies, and support loan decisioning. You will manage spread assignments, conduct comprehensive analyses and generate reports for executive management.

The role requires 2+ years in related finance or banking, a Bachelor's degree or equivalent, and solid analytical skills with an ability to work with minimal supervision.

Qualifications

• 2+ years of related experience in Accounting, Finance or Economics or similar field.
• Bachelor's degree or equivalent experience required.
• Knowledge of general banking operations and treasury management.
• Knowledge of regulatory and legal compliance obligations.
• Knowledge and ability to analyze financial statements.
• Strong analytical, communication, leadership, and organizational skills.
• Ability to self-motivate and work productively without supervision.
• Intermediate speaking and writing communication skills.

Responsibilities

• Spread, manage and maintain financial background information on customers and develop credit studies.
• Manage spread assignments and conduct financial analyses.
• Prepare a variety of credit department reports.
• Analyze credit and collateral information to determine risk.
• Collect, organize and analyze company financials for compliance.
• Work directly with clients to resolve compliance issues.
• Review client financials and perform sensitivity analysis.
• Prepare in-depth reports with action plans based on research.
• Collaborate with bank groups to execute treasury products and documents.
• Produce loan packages for new and restructured loans.
• Monitor loan disbursements for regulatory compliance.

Skills

Analytical

Communication

Leadership

Organizational skills

Self-motivation

Education

Bachelor's degree or equivalent experience

Job description

Location: Denver, CO

Senior Credit Analyst

What you'll do

As a Senior Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management.

You'll manage spread assignments, conduct financial analyses, and maintain related records and files.

One of your key responsibilities is the preparation of a variety of credit department reports.

Responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.

Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates 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.

What you'll need

• 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.

Compensation

Hourly range for new hires is generally $36.74 - $45.38 for Denver, CO. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned.

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, 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.

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.

Copyright Western Alliance Bancorporation