Western Alliance Bank

  • Senior Credit Administrator

    Req No.
    Western Alliance Bank
    Credit Administration
    Regular Full Time
  • Overview

    Reporting to the WAB Chief Credit Officer, the position of Senior Credit Administrator supports the National Business Line Managers (Public and Nonprofit) and assists the Chief Credit Officer in approving, administering and reviewing loans and loan commitments to ensure that they adhere to existing policy guidelines and that documentation is adequate to ensure security of collateral, providing a “first line of defense” within the Bank’s Credit Risk Management framework. The position also oversees primary credit portfolio management and reporting activities consistent with the Bank’s policies and procedures. The position of Senior Credit Administrator is expected to provide leadership, training and support to less experienced staff members.


    • Engages in the monitoring of existing credits to ensure the correct risk rating is in place.
    • Assists in reviewing and updating credit policies and procedures.
    • Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
    • Reviews large and complex loans prior to submission to loan committee. Assists account officers in analyzing, underwriting, and managing credits. 
    • Reviews legal documents to ensure accuracy and consistency with approved terms and conditions.
    • Performs periodic assessments of concentration limits and concentration risk to local economy and periodic local economic analysis. Assists in integrating results of portfolio risk analysis into the preparation of the ALLL report. 
    • Assists with preparation and review of quarterly portfolio reviews.
    • Will assist the Special Assets Officer in managing for collection workout credits assigned to the department and prepare LAPSR’s for criticized loans, as well as preparing monitoring reports for Watch credits. Will assist Loan Officers in the management of weak credits. 
    • Responsible for developing a credit training program for all supported personnel related to the credit approval process and loan portfolio management. The program focuses on underwriting, loan management, early detection of loan weaknesses, and correct risk rating. Will also assist the supported departments in presentation of workshops/seminars on current credit issues to lending personnel. 
    • Performs post mortems on charged off loans. 
    • Provides information and support on credit practices for other Bank divisions or specialty groups as appropriate. 
    • Reinforces the application of superior customer service by example along with appropriate follow through with involved customers and employees. 
    • Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
    • Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. 
    • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. 
    • Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. 
    • Responsible for completeness, accuracy and certification of credit data and resulting credit risk management reports provided to management and the Board of Directors.
    • Work directly with the Bank’s overall Portfolio Credit Risk Management function providing data inputs, quality control correction and feedback, dashboard reporting, and execution of corporate efforts surrounding Credit Portfolio Stress Testing, Dual Risk Rating procedures, concentration management and related Portfolio Credit Risk Management processes.
    • Participates in various internal committees assigned by senior management. 


    • Bachelor’s degree (BA) or equivalent from a four (4) year college or university and/or eight (8) or more years’ related experience and/or training; the equivalent combination of education and experience.
      • Work related experience should consist of a financial analysis or lending background.
      • Credit Administration and/or Credit Portfolio Management experience preferred.
      • Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
    • Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
    • Advanced experience, knowledge and training in all lending activities and terminology.
    • Advanced knowledge of commercial, construction, real estate and consumer loan processing.
    • Excellent oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.



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