Western Alliance Bank este o instituție financiară axată pe sectorul de afaceri, care operează sub Western Alliance Bancorporation (NYSE: WAL). Serviciile sale includ servicii bancare comerciale, finanțare specializată pentru companii, servicii bancare pentru întreprinderi mici, servicii escrow, gestionarea trezoreriei, împrumuturi și credite pentru afaceri, precum și servicii bancare internaționale. Banca combină produse financiare adaptate nevoilor clienților cu sprijinul unor profesioniști cu experiență în domeniul bancar și al creditării ipotecare, deservind clienți din întreaga Statelor Unite.
Credit Risk Reviewer - Western Alliance Bank, Scottsdale, AZ (Onsite)
Review commercial lending portfolios, underwriting quality, risk grades, controls, and regulatory compliance for Western Alliance Bank. Analyze borrower risk and credit trends while supporting quarterly credit file examinations.
Descriere
- Support quarterly credit file examinations led by the Credit Risk Review team
- Process loan review engagements
- Analyze credit quality trends across assigned loan portfolios and risk segments each quarter
- Review commercial loan transactions and evaluate underwriting and portfolio management
- Provide independent assessments of underwriting analyses, risk grades, credit mitigation measures, and credit management controls
- Track credit risk trends across assigned commercial lending segments
- Participate in relevant meetings and maintain relationships with credit approval and portfolio management stakeholders
- Examine financial and credit information, including financial statements, spreadsheets, cash flow analyses, and other sources
- Evaluate borrower risk profiles and risk grades for complex lending relationships
- Conduct risk-based sampling for continuous and periodic file reviews, adjusting examination scope when needed
- Mentor and guide less experienced reviewers
- Analyze loan reporting and tracking systems and draft comments for Credit Risk Review reports
- Identify changes or weaknesses in Credit Administration processes and policies
- Maintain expertise in specialty non-depository financial institution lending industries
- Apply regulatory requirements, enterprise Credit Policy, and Credit Risk Review policies and procedures
- Contribute to ad hoc special projects
- Report to a Credit Risk Review Director, Senior Manager, or Manager
Cerințe
- At least three years of commercial credit experience
- Bachelor’s degree in accounting, finance, economics, or a related field
- Working knowledge of commercial credit principles
- Strong analytical capability
- Knowledge of banking operations, including deposits, loan administration, treasury management, and other commercial banking products and services
- Knowledge of accounting, financial statements, tax returns, and cash flow analysis
- Strong analytical and problem-solving abilities
- Knowledge of banking regulations and prudent commercial lending credit policies
- Experience reviewing probability of default and loss given default analyses
- Effective verbal, written, and interpersonal communication skills
- Ability to present complex and sensitive matters to management
- Ability to manage multiple responsibilities concurrently
- Willingness to travel as required
- Completion of required Bank training, including annual BSA/AML/OFAC and Compliance Training
- Formal credit training program completion preferred but not required
- Previous credit risk review experience preferred but not required
Beneficii
- Competitive compensation
- Company ownership opportunity
- Medical and dental insurance
- Paid time off
- 401(k) matching program
- Tuition assistance
- Employee volunteer program
- Wellness program
- Potential eligibility for annual bonuses and incentives
- Potential eligibility for restricted stock