Western Alliance Bank

Commercial Banking Loan Officer

Req No.
Torrey Pines Bank
Branch Banking & Operations
Regular Full Time
San Diego


The position of Loan Officer is responsible for negotiating, underwriting and coordinating the closing of Commercial Real Estate, Equipment, SBA, and Business Loans in compliance with the Bank’s lending policies and procedures.


The positions of Loan Officer is responsible for managing relationships, including business checking and deposit relationships; and promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.  More experienced Loan Officers assist in attaining established Bank, region and branch goals through active participation in sales management and officer call programs.


Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.  Develops credit studies and requests credit approvals from Chief Credit Officer, Executive Management and Credit Committees.


  • Engages in business development activities and solicitation of new business
  • Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. 
  • Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. 
  • Manages a loan portfolio assigned by the Regional Manager which may consist of several different types of credits ensuring client contact, customer service, follow-up and pursuing new business. 
  • Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee. 
  • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. 
  • Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. 
  • Ensures that certification or deletion of collateral is made by the appropriate personnel. 
  • Negotiates, underwrites and processes renewals of credit facilities. 
  • Approves loan payments, draws from lines of credit, and fund transfers within specified limits. 
  • Assists in the preparation of any reports required from Credit Administration


  • Bachelor’s degree (BA) or equivalent from a four (4) year college or university and two (2) or more years related experience and/or training; or the equivalent combination of education and experience. 
    • Work related experience should consist of Financial and Credit Analysis, negotiating, underwriting, origination and closing of Commercial loans.
    • Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
  • Intermediate 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.
  • Intermediate experience, knowledge and training in all lending activities and terminology.
  • Intermediate knowledge of commercial, construction, real estate and consumer loan processing.
  • Intermediate to advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
  • Willingness to develop marketing and business development skills with customers.
  • Proficiency in personal computer including mainframe computer, word processing and spreadsheet software (i.e., Microsoft Word, Excel, etc.).
  • 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 related by the spread.  


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