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Senior Credit Officer
Western Alliance Bank. Approve, administer and review loans and loan commitments for policy adherence and adequate collateral documentation .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive expertise in Credit Risk Management, including loan approval, underwriting, and compliance with banking regulations. Proven leadership in managing credit portfolios and developing teams to enhance performance and adherence to policies.
Highest-signal resume keywords
Credit Risk ManagementLoan UnderwritingRegulatory ComplianceLeadership ExperienceBanking Operations
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Loan AdministrationPortfolio ManagementCredit Policy ReviewRisk-Rating ProcessesDecision-Making TechniquesLegal Document ReviewConcentration Risk AssessmentQuality ControlDashboard ReportingData Analysis
Soft Skills
Communication SkillsTeam DevelopmentRelationship BuildingPerformance ManagementCoaching
Industry Keywords
Banking RegulationsCommercial Banking ProductsCredit AdministrationEconomic ConditionsWorkout Credits
About the role
Key responsibilities & impact- Approve, administer and review loans and loan commitments for policy adherence and adequate collateral documentation
- Provide a first line of defense within the Bank’s Credit Risk Management framework
- Oversee primary credit portfolio management and reporting activities
- Build relationships with account officers by assisting with analyzing, underwriting and managing credits
- Support Credit Administration’s prescreening, underwriting and approval process
- Review large and complex loans before submission to the Chief Credit Officer
- Communicate with the Chief Credit Officer on deal pipeline, portfolio issues and material matters
- Apply decision-making techniques within approval limits and support employee development
- Review and update credit policies and procedures
- Ensure compliance with Bank policies, procedures and applicable state and federal banking regulations
- Review legal documents for accuracy and consistency with approved terms and conditions
- Assess concentration limits, concentration risk and local economic conditions
- Assist with quarterly portfolio reviews
- Oversee loan grading and risk-rating processes
- Assist with workout credits, prepare LAPSRs for criticized loans and monitoring reports for Watch credits
- Assist Loan Officers in managing weak credits
- Perform post mortems on charged-off loans
- Correspond with legal counsel and collectors on workouts, bankruptcies and charge-offs
- Provide data inputs, quality control, dashboard reporting and execution support for portfolio credit risk management processes
- Lead and develop a team, including hiring, coaching, performance management, training and development
Requirements
What you’ll need- 10+ years of related experience
- Bachelor's degree or equivalent experience required
- Previous leadership experience required
- Expert knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services
- Expert knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices
- Expert speaking and writing communication skills
Benefits
Comp & perks- Competitive salaries
- Ownership stake in the company
- Medical and dental insurance
- Time off
- 401k matching program
- Tuition assistance program
- Employee volunteer program
- Wellness program
- Opportunity to bolster business knowledge and gain hands-on experience to help grow your career
- Annual bonus/incentives earned and restricted stock may be available