Western Alliance Bank

Credit Analyst

Req No.
2017-3888
Alliance Bank of Arizona
Category
Credit Administration
Type
Regular Full Time
Mesa

Overview

The position of Credit Analyst is responsible for spreading, managing and maintaining financial background information on present and prospective customers, and develops credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. Manages spread assignments, conducts financial analyses, and maintains related records and files.  The incumbent is also responsible for the preparation of a variety of credit department reports as assigned by the Chief Credit Officer.   

Responsibilities

  • Performs special financial statement analyses, typically involving complex and interlocking relationships.
  • 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.
  • Assist the Special Assets Department in compiling.
  • 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.

 

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.
  • 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.
  • Ability to train new hires, both analysts and loan trainees, in how to spread financial statement.
  • Effective oral, written and interpersonal communication skills
  • Excellent organizational and time management skills. 
  • Ability to work with minimal or no supervision while performing duties.

Options

Sorry the Share function is not working properly at this moment. Please refresh the page and try again later.
Share on your newsfeed