2027 Commercial Banking Development Program - Credit Analyst - San Francisco, CA - Technology & Innovation Banking

Location: San Francisco, CA

About the role

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.

Responsibilities

• Spread, manage and maintain financial background information on present and prospective customers.
• Develop credit studies for 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, 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.
• Bachelor's degree or equivalent experience required.
• GPA of 3.0 or higher is required.

Skills

• Strong analytical, conceptual, communication, leadership, and organizational skills.
• Ability to self-motivate and work productively without supervision.
• Entry level speaking and writing communications skills.
• Interest in working in Commercial Banking.

Benefits

• Competitive salaries
• Ownership stake in the company
• Medical and dental insurance
• Time off
• 401k matching program
• Tuition assistance program
• Employee volunteer program
• Wellness program
• Opportunity to bolster business knowledge and gain hands‑on experience in how successful companies operate and manage their finances.

Pay

Hourly range for new hires is generally $36.30