Western Alliance Bank

Credit Analyst / Underwriter - Hotel Franchise Finance

Req No.
2017-3878
Western Alliance Bank
Category
Credit Administration
Type
Regular Full Time
Phoenix

Overview

The Credit Analyst is responsible for analyzing, structuring, underwriting and coordinating the closing of Hotel Franchise Finance loans in compliance with the Bank's lending policies and procedures. The Analyst will work with the Relationship Manager to manage loans to ensure the credit risks are responsibly monitored and identified. This position will assist in attaining established Bank, region and branch goals through active participation in underwriting and closing desirable credits with the Relationship Manager. The Credit Analyst is responsible for assuring compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

Responsibilities

  • Performs special financial statement analyses, typically involving complex and interlocking relationships.
  • Perform detailed analysis related to mortgage loan pools.
  • Rendering assistance to lending officers on credit matters and loans involving unusual situations or requiring close scrutiny. 
  • Obtain data to perform portfolio concentration analysis.
  • Assist in the preparation on the monthly allowance for loan and lease loss (ALLL).
  • Assist in the preparation of any reports required from Credit Administration.
  • May train selected personnel in credit operations and financial statement analysis and oversee the training of the credit analyst area.
  • May exercise the usual authority concerning staffing, performance appraisals, promotions, salary recommendations, and termination.
  • Assist the Special Assets Department in compiling information regarding problem / downgraded loans.
  • Performs industry analysis and provides recommendations.
  • Inform CCO/Loan Officers of relevant trends of specific loans, portfolios or industries.  
  • Providing credit information and references for customers, loan officers, or other agencies as requested.
  • Reinforce superior customer service through your own example along with appropriate follow-through with involved customers and employees.
  • Handle various other underwriting, portfolio management and upkeep tasks and responsibilities related to new loan requests and/or the existing Relationship Managers portfolio.

Qualifications

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines. 

  • Bachelor’s degree (BA) from a four (4) year college or university, and a minimum of four (4) years or more related experience and/or training; or the equivalent combination of education and experience.  
    • Related experience should consist of an in-depth background in financial statement analysis. 
    • Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.
  • Exceptional credit knowledge and underwriting skills in Commercial Real Estate / Hotel lending.
  • Ability to spread large, complex financial statements and tax returns and complete cash flow forecasting.
  • Ability to make pertinent comments relating to the current credit risk as reflected by the spread.
  • Strong portfolio management skills allowing for timely identification of credit concerns by bringing items of concern to the Relationship Managers attention;
  • Effective oral, written and interpersonal communication skills
  • Excellent organizational and time management skills. 
  • Ability to work with minimal or no supervision while performing duties.

 

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