2027 Commercial Banking Development Program - Credit Analyst - Beverly Hills, CA - Technology & Innovation Banking

Responsibilities

As a 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. The Western Alliance Innovation Banking Group takes an entrepreneurial approach, providing financial solutions to companies nationwide in a variety of innovation sectors. With a strong track record and staying power in helping innovation companies with their banking needs for more than 20 years, our industry know-how can unlock funding to fuel your company’s momentum, at any stage, from inception to IPO and beyond.

• 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.
• Manage spread assignments, conduct financial analyses, and maintain related records and files.
• Prepare a variety of credit department reports.
• Support the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers.
• Collect, organize, and analyze company financials to ensure Bank compliance, and update 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.

Requirements

• Completion of an Accounting course