Western Alliance Bank

  • Real Estate Credit Analyst I

    Req No.
    2018-4579
    Affiliate
    Bank of Nevada
    Category
    Credit Administration
    Type
    Regular Full Time
    City
    Las Vegas
  • Overview

    The position of Real Estate Credit Analyst I is responsible for interpreting/reviewing of financial spreads; managing and maintaining financial background information on present and prospective customers; and developing credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. Additional duties include managing assignments, making financial analyses, and maintaining related records and files under the guidance of the Senior RE Credit Analyst Officer.  The incumbent is also responsible for the preparation of a variety of credit department reports as assigned by the RE Chief Credit Officer and Senior RE Credit Analyst Officer.     

    Responsibilities

    • Learns and performs financial statement analyses, graduating to special statement analyses and increasingly complex and interlocking relationships.
    • Renders assistance to RE lending officers on credit matters and loans as needed. 
    • Learn how and from where to obtain data to needed to perform portfolio concentration analysis and then begin performing these on a regular basis.
    • Assist in the preparation on the monthly allowance for loan and lease loss (ALLL).
    • Assist in the preparation of any reports required from RE Credit Admin and Credit Administration.
    • Become proficient in credit operations and financial statement analysis, especially within the RE domain.  
    • Assist the Special Assets Group as needed/assigned. 
    • Performs industry analysis and provides recommendations.
    • Inform CCO/Loan Officers of relevant trends of specific loans, portfolios or industries.  

     

    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 one (1) - three (3) years or more of related experience and/or training; or the equivalent combination of education and experience.  
      • Related experience should consist of beginning to intermediate background in financial statement analysis or accounting (especially cash-flow analysis). 
      • Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry (financial statement analysis or accounting cash-flow analysis).
    • Ability to interpret financial statements and tax returns.
    • Experience in interpreting increasing complex financial spread results is preferred. 
    • Exposure to financial spreading process is preferred. 
    • Ability to make pertinent comments relating to the current credit risk as reflected by the spread.
    • Ability to interpret spreads of financial statements and interpret increasingly complex, interlocking relationships as experience increases.
    • 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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