Western Alliance Bank
Assistant Vice President, Commercial Underwriting
Western Alliance Bank, San Diego, California, United States, 92154
Overview Assistant Vice President, Commercial Underwriting — Carmel Valley, CA
Like the look of this opportunity Make sure to apply fast, as a high volume of applications is expected Scroll down to read the complete job description. What You’ll Do
Underwrite difficult loan requests and renewals for working capital lines of credit, commercial real estate loans, term loans, formula-based lines of credit, traditional asset-based lines of credit, and other bank lending products. Build internal relationships by collaborating with lending officers on credit matters and loans involving unusual situations or requiring close scrutiny. Review loan structure, financial spreads, entity structures, collateral, market data, and reports to understand inherent risks and prepare recommendations to Credit Administration in the form of opportunity memos, loan presentations, administrative action memos, and annual reviews. Mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions, and identifying risks and mitigating factors to credit risk. Perform special financial statement analyses, typically involving complex and interlocking relationships. Provide credit information and references for customers, loan officers, or other agencies as requested. Perform pre-qualification assessment and analysis of financial condition and risk of financing requests within the Bank’s credit culture and current economic and industry trends. Gather and analyze information to present a financing request to senior management or Loan Committee for approval; may meet with customers, visit loan sites, negotiate loan terms and conditions, and refer/ recommend acceptance to Credit Administration. What You’ll Need
4+ years of related experience. Bachelor’s degree or equivalent experience required. Intermediate to advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management, and other commercial banking products and services. Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. Intermediate speaking and writing communication skills. Benefits You’ll Love We offer competitive salaries, ownership stake in the company, medical and dental insurance, time off, a strong 401(k) matching program, tuition assistance, an employee volunteer program, and a wellness program. You’ll have opportunities to bolster your business knowledge and gain hands-on experience to 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, national 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. EEO Notice Western Alliance Bancorporation
#J-18808-Ljbffr
Like the look of this opportunity Make sure to apply fast, as a high volume of applications is expected Scroll down to read the complete job description. What You’ll Do
Underwrite difficult loan requests and renewals for working capital lines of credit, commercial real estate loans, term loans, formula-based lines of credit, traditional asset-based lines of credit, and other bank lending products. Build internal relationships by collaborating with lending officers on credit matters and loans involving unusual situations or requiring close scrutiny. Review loan structure, financial spreads, entity structures, collateral, market data, and reports to understand inherent risks and prepare recommendations to Credit Administration in the form of opportunity memos, loan presentations, administrative action memos, and annual reviews. Mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions, and identifying risks and mitigating factors to credit risk. Perform special financial statement analyses, typically involving complex and interlocking relationships. Provide credit information and references for customers, loan officers, or other agencies as requested. Perform pre-qualification assessment and analysis of financial condition and risk of financing requests within the Bank’s credit culture and current economic and industry trends. Gather and analyze information to present a financing request to senior management or Loan Committee for approval; may meet with customers, visit loan sites, negotiate loan terms and conditions, and refer/ recommend acceptance to Credit Administration. What You’ll Need
4+ years of related experience. Bachelor’s degree or equivalent experience required. Intermediate to advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management, and other commercial banking products and services. Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. Intermediate speaking and writing communication skills. Benefits You’ll Love We offer competitive salaries, ownership stake in the company, medical and dental insurance, time off, a strong 401(k) matching program, tuition assistance, an employee volunteer program, and a wellness program. You’ll have opportunities to bolster your business knowledge and gain hands-on experience to 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, national 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. EEO Notice Western Alliance Bancorporation
#J-18808-Ljbffr