Job Description

Job Title:

Vice President, Commercial Underwriting

Location:

Carmel Valley

What you'll do:

The position of Commercial Underwriter is responsible for underwriting routine, difficult, or complex 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 analyst 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.

• Performs special financial statement analyses, typically involving complex and interlocking relationships.
• Rendering assistance to lending officers on credit matters and loans involving unusual situations or requiring close scrutiny.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• 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.
• Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; may meet with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; refers and recommends acceptance to Credit Administration.

What you'll need:

• Bachelor's degree (BA) from a four (4) year college or university, and minimum of seven (7) 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.Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.
• Ability to spread large, complex financial statements and tax returns and complete cash flow forecasting.
• Ability to make pertinent comments relating to the current credit risk as reflected by the spread.
• Demonstrate strong analytical and project management skills for a variety of tasks or projects.
• Ability to deal with difficult problems involving multiple facets, variables in non-standardized situations.
• Excellent organizational and time management skills.
• Ability to work with minimal or no supervision while performing duties.

Compensation: Salary range for new hires is generally $121,870.00 - $150,546.00 for San Diego, 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 all the important things you'd want - like 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. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

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. AmeriHome Mortgage is a Western Alliance Bank company.

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. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

Western Alliance Bancorporation

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. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email recruiter@westernalliancebank.com or call (602) 797-3662.

 

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