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Credit Risk Reviewer
Western Alliance Bank. Support the Credit Risk Review team in leading continuous quarterly credit file examination activities .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial credit analysis, including evaluating loan transactions, assessing borrower risk profiles, and applying regulatory requirements. Strong analytical and problem-solving skills are essential for monitoring credit risk trends and providing independent feedback on underwriting decisions.
Highest-signal resume keywords
Commercial Credit ExperienceAnalytical SkillsKnowledge of Banking RegulationsCredit Risk Review ExperienceBachelor's Degree in Accounting, Finance, or Economics
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
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Hard Skills
Credit File ExaminationLoan Review EngagementsCredit Quality AnalysisFinancial Statement ReviewCash Flow AnalysisProbability of Default (PD) AnalysisLoss Given Default (LGD) AnalysisRisk-Based SamplingCredit Mitigation ActionsPortfolio Management
Soft Skills
Effective Communication SkillsInterpersonal SkillsAnalytical Problem-SolvingTask ManagementFlexibility to Travel
Tools & Technologies
Loan Reporting SystemsCredit Risk Review Reports
Certifications & Qualifications
Formal Credit Training Program (Preferred)BSA/AML/OFAC Compliance Training
Industry Keywords
Commercial LendingNDFI Lending IndustriesBanking OperationsCredit Administration ProcessesCredit Policy
About the role
Key responsibilities & impact- Support the Credit Risk Review team in leading continuous quarterly credit file examination activities
- Process loan review engagements
- Execute quarterly analyses of credit quality trends for assigned loan portfolios or risk segments
- Evaluate commercial loan transactions and assess underwriting and portfolio management
- Provide independent feedback on underwriting analyses, risk grading decisions, credit mitigation actions, and credit management controls
- Monitor credit risk trends within assigned commercial lending risk segments
- Attend relevant meetings and maintain relationships with internal credit approval and portfolio management stakeholders
- Review credit and financial information, including financial statements, spreadsheets, cash flow analyses, and other sources
- Assess borrower risk profiles and risk grades, including complex lending relationships
- Perform risk-based sampling for continuous and periodic file reviews and adjust examination scope as appropriate
- Guide less experienced reviewers
- Analyze loan reporting and tracking systems and prepare comments for Credit Risk Review reports
- Evaluate changes or weaknesses in Credit Administration processes and policies
- Maintain knowledge of specialty NDFI lending industries
- Apply regulatory requirements, enterprise-wide Credit Policy, and Credit Risk Review policies and procedures
- Assist with ad hoc special projects
- Report to a Credit Risk Review Director, Senior Manager, or Manager
Requirements
What you’ll need- Minimum three years of commercial credit experience
- Bachelor's degree in Accounting, Finance, Economics, or a related discipline
- Demonstrated understanding of commercial credit principles
- Strong analytical skills
- Knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services
- Knowledge of accounting, financial statements and tax returns, and cash flow analyses
- Analytical and problem-solving skills
- Knowledge of banking regulations and prudent commercial lending credit policies
- Experience reviewing probability of default (PD) and loss given default (LGD) analyses
- Effective oral, written and interpersonal communication skills
- Ability to present complex and sensitive issues to management
- Ability to manage multiple tasks concurrently
- Flexibility to travel as required
- Participate in required Bank training, including annual BSA/AML/OFAC and Compliance Training
- Successful completion of formal credit training program preferred, but not necessary
- Previous credit risk review experience preferred, but not necessary
Benefits
Comp & perks- Competitive salaries
- An ownership stake in the company
- Medical and dental insurance
- Time off
- 401k matching program
- Tuition assistance program
- Employee volunteer program
- Wellness program
- Annual bonus/incentives may be eligible
- Restricted stock may be eligible