Job Title: Credit Risk Review Officer II
Location: Scottsdale
What you'll do:
This is a dual role position responsible for:
Performing tasks that increase the data-driven operational successes of the department. The Credit Risk Review Officer II will develop analysis and reporting tools to evaluate and provide oversight of the bank's Concentration and Counterparty activities, controls, and reporting, primarily the bank's peer bank comparison assessments.Executing quarterly continuous credit file examination of assigned reviewable units or risk segments. This includes evaluating commercial loan transactions and performing assessments of underwriting and portfolio management to provide feedback on the adequacy of underwriting analyses, accuracy and timeliness of risk grading decisions, appropriateness of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality.The Credit Risk Review Officer II independently monitors credit risk trends within assigned commercial lending risk segments, attends relevant meetings, and develops and maintains relationships with internal stakeholders responsible for credit approval. This position reports to a Credit Risk & Review Group Senior Manager or Director and is in either Scottsdale, AZ, Las Vegas, NV, San Jose, CA, San Diego, CA, Los Angeles, CA, or Dallas, TX.
What we are looking for:
Responsibilities:
- Reports primarily to the Credit Risk Management Review Director and secondarily to the Internal Credit Risk Review Assurance Director.
- Executes tasks, mostly quarterly, that increase the data-driven operational successes of the department, using tools such as SQL, Excel, Tableau, Capital IQ, and Power Point.
- Creates data visualizations (dashboards and reports) that are easy-to-read and insightful.
- Assists in performance and completion of special projects related to data analysis as may be assigned by CR&R Team Leaders on an ad hoc basis.
- Executes certain departmental administrative functions and reporting.
- Participates in continuous quarterly credit file testing activities and scheduled periodic loan review engagements.
- Reviews all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable.
- Performs proper risk-based sampling techniques for scoping continuous file reviews and periodic reviews; determines the need for expanding scope and adjusting exam procedures as appropriate.
- Guides less experienced reviewers in determining the accuracy of assigned risk ratings and analyzing borrower risk attributes and risk factors.
- Analyzes loan reporting and tracking systems and prepares appropriate comments within Credit Risk & Review reports.
- Evaluates changes or weaknesses within Credit Administration processes or policies.
- Maintains a working knowledge of a variety of industries and specialty lines of business (e.g., commercial real estate, equipment leasing, mortgage warehouse lending, gaming, technology, life sciences, HOA, franchise lending, sponsor finance, leveraged lending, etc.).
- Demonstrates knowledge of regulatory requirements and expectations pertaining to credit risk management.
- Ensures consistent application of enterprise-wide Credit Policy, as well as Credit Risk & Review Policies and Procedures.
- Assists in performance and completion of special projects as may be assigned on an ad hoc basis.
Qualifications:
- Experienced credit professional with minimum three years of commercial credit experience, preferably with a background in commercial credit underwriting and credit risk management.
- Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.
- Demonstrated understanding of commercial credit principles and strong analytical skills.
- Working knowledge of accounting, financial statements and tax returns, and cash flow analyses.
- Solid analytical and problem-solving skills are required.
- Knowledge of banking regulations and prudent commercial lending credit policies.
- Effective oral, written, and interpersonal communication skills.
- Enthusiastic, self-motivated, and effective in a dynamic fast-paced environment.
- Ability to manage multiple tasks concurrently, with a high sense of urgency.
- Flexibility to travel as required.
- Participate in required Bank training, including but not limited to annual BSA/AML/OFAC and Compliance Training.
Compensation: Salary range for new hires is generally $115,395.00 - $142,959.00 for San Jose, CA. Salary range for new hires is generally $94,620.00 - $116,883.00 for Las Vegas, NV. Salary range for new hires is generally $107,395.00 - $132,661.00 for San Diego, CA. Salary range for new hires is generally $107,395.00 - $132,661.00 for Los Angeles, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned and restricted stock.
Benefits you'll love: We offer competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program.
About the company:
Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC.
Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities.
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