Western Alliance Bank

  • Senior Credit Analyst Officer

    Req No.
    Torrey Pines Bank
    Credit Administration
    Regular Full Time
    San Diego
  • Overview

    The position of Senior Commercial and Industrial (C&I) Underwriter is responsible for reviewing loan requests and renewals for working capital lines of credit, commercial real estate loans, term loans, formula based lines of credit, traditional asset based lines of credit and other Bank lending products. The underwriter reviews the loan structure, financial spreads, entity structures, collateral, market data and reports to understand inherent risks and prepare a recommendation to Credit Administration in the form of opportunity memos, loan presentations, administrative action memos, and annual reviews. The Commercial and Industrial Underwriter may also exercise supervision of credit analysts.


    • Performs financial statement analyses for individuals and various types of businesses, typically involving complex and interlocking relationships
    • Spread financial statements and tax returns in Moody’s Risk Analyst or Buker’s Tax Analysis
    • Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
    • Rendering guidance to lending officers on credit matters and loan structures
    • 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
    • Supervise and mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions and identifying risks and tangible mitigating factors to credit risk


    • Bachelor’s degree (BA) from a four (4) year college or university, and minimum of eight (8) years or more related experience and/or training; or the equivalent combination of education and experience
      • Work related experience should consist of an in-depth background in financial statement analysis and commercial underwriting
      • Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry
    • Ability to work with minimal or no supervision while performing duties
    • Exceptional oral, written and interpersonal communication skills with the ability to apply professional judgement in carrying out instructions and instructing others, interpreting documents, understanding procedures, writing reports and correspondence, speaking clearly to customers and employees
    • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
    • Intermediate knowledge of branch operation procedures, Bank products and services
    • Advanced technical writing skills; able to make insightful comments relating to the current credit risk as reflected by the spreads and Borrower’s overall condition
    • Advanced computer skills including desktop applications
    • Excellent organizational and time management skills


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