Western Alliance Bank
posted 4 months ago
The Senior Credit Analyst position within the Affordable Housing Team at Western Alliance Bank is a critical role focused on analyzing, structuring, underwriting, and coordinating the closing of major and complex commercial loans. This position is essential for ensuring compliance with the Bank's lending policies and procedures while actively participating in the underwriting and closing of desirable credits alongside the Relationship Manager. The Senior Credit Analyst will be responsible for monitoring and identifying credit risks, thereby contributing to the attainment of established Bank, region, and branch goals. This role requires a thorough understanding of the Bank's policies, as well as applicable state and federal banking regulations, to ensure that all operations are conducted within legal and ethical boundaries. In this role, the Senior Credit Analyst will work closely with the Portfolio Manager to perform detailed financial statement analyses, which often involve complex interlocking relationships. The analyst will assist in preparing monthly tracking and draw requests related to multifamily and Direct Pay Letter of Credit products, as well as conducting annual reviews on existing products, including property-level and guarantor financial analysis. The position also involves supporting underwriters and business development officers in gathering necessary information for credit requests and preparing reports required by the line of business. Additionally, the Senior Credit Analyst will perform industry analyses and provide recommendations based on their findings, while keeping the Chief Credit Officer and Loan Officers informed of relevant trends affecting specific loans, portfolios, or industries. This role is pivotal in providing credit information and references for customers, loan officers, or other agencies as requested.