- Performs financial statement analysis, typically involving complex relationships.
- Work closely with lending personnel as needed to insure accurate testing results using all required variables.
- When needed, use various bank systems to obtain information required for the various tests.
- Maintain completed covenant tests using Credit Lens software.
- Maintain covenant tracking reports detailing progress/completion of covenant tests.
- Ability to explain and defend logic used to complete the testing and obtain approval from the appropriate loan officer.
- Provide training and assistance to junior analysts when preparing covenant tests.
- Communicate declining trends in a proactive approach to surface potential issues with bank's clients to the loan officers.
- Bachelor's degree (BA) from a four (4) year college or university, and minimum of two (2) years or more related experience and/or training; or the equivalent combination of education and experience.
- Work related experience should consist of good knowledge of financial spreading programs such as Moody's Risk Analyst/Credit Lens with strong understanding of financial statement analysis.
- Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.
- Strong problem-solving skills.
- Ability to spread complex financial statements and tax returns and applying results to complete covenant test as required.
- 2-3 year's experience in spreading financial statements with good knowledge of cash flow calculations.
- Strong organizational and time management skills.
- Ability to work with minimal or no supervision while performing duties.
-
Credit Analyst
6 days ago
Sunstate Equipment Co., LLC Phoenix, United States**New Accounts Representative**: · **Sunstate Equipment Co.**:Where Safety and People are Core Values · We take care of our People and it shows · **Hiring Immediately**; Pay dependent on experience; PAID WEEKLY · Monday - Friday (Day Shift: 8AM - 5PM: 40-45 Hours per Week) · **Ex ...
-
Credit Analyst
6 days ago
AgWest Farm Credit Tempe, United StatesAgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United Sta ...
-
Credit Analyst
1 day ago
Western Alliance Bank Mesa, United StatesJob Title: · Credit Analyst · **Location**: · Mesa · What you'll do: · The position of Credit Analyst is responsible for spreading, managing, and maintaining financial background information on present and prospective customers, and develops credit studies for the Loan Officers, ...
-
Credit Analyst
5 days ago
First International Bank & Trust Phoenix, United StatesFirst International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work for 10 years running. We are seeking a skilled Credit Analyst to join our Credit Analysis division and support our Commercial Loan Department in offic ...
-
Credit Analyst
1 week ago
First International Bank & Trust Phoenix, United StatesJob Description · Job DescriptionFirst International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work for 10 years running. We are seeking a skilled Credit Analyst to join our Credit Analysis division and support our Co ...
-
Credit Analyst
1 day ago
Reliant Capital Phoenix, United StatesJob Description · Job DescriptionAbout Reliant Capital · Reliant Capital is a leading private lending platform, serving real estate developers nationwide in the acquisition, renovation, and construction of residential real estate. Founded by a leadership team with a deep underst ...
-
Credit Analyst
1 week ago
Shamrock Foods Company Phoenix, AZ, United StatesThis position is responsible for conducting activities resulting in the timely collection or resolution of delinquent balances within an assigned portfolio of customers · accounts receivable is the core of the role performed by the Credit Analyst Level I.Essential Duties:Reviewin ...
-
Credit Analyst Iii
1 day ago
WESTERN EQUIPMENT FINANCE Chandler, United States**This position can be located in our Marshall, MN, Chandler, AZ, Devils Lake, ND, West Fargo, ND, or remotely. Position is eligible for a remote or hybrid work location.** · At Western Equipment Finance, "what" you know is important, but not as important as how you relate to tea ...
-
Senior Credit Analyst
1 week ago
Western Alliance Bank Phoenix, United States Full timeJob Title: · Senior Credit Analyst - Public Finance · Location: · CityScape · What you'll do: · The position of Sr. Credit Analyst is responsible for spreading, managing, and maintaining financial background information on present and prospective customers, and develops credit pr ...
-
Lease Credit Analyst II
5 days ago
First Investors Financial Services, Inc. Phoenix, United StatesStellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep, Lancia, Maserati, Opel, Peugeot, Ram, Va ...
-
Senior Analyst, Credit Risk
5 days ago
Broadstone Net Lease, Inc. Phoenix, United StatesThe Senior Analyst, Credit Risk will conduct in-depth financial analysis for Broadstone Net Lease. This position will support the timely and accurate production of detailed financial analysis and prepare and present financial reports, findings, and recommendations to inform decis ...
-
Senior Analyst, Credit Risk
5 days ago
Broadstone Real Estate Phoenix, United StatesAt BNL, we're as passionate about people as we are about real estate. · BNL is a collaborative, inclusive, and creative workplace where people with unique talents can flourish, their opinions are valued, and their contributions are recognized. Our professionals enjoy fascinating ...
-
Senior Analyst, Credit Risk
2 days ago
Broadstone Net Lease, LLC Phoenix, United StatesJob Description · Job DescriptionThe Senior Analyst, Credit Risk will conduct in-depth financial analysis for Broadstone Net Lease. This position will support the timely and accurate production of detailed financial analysis and prepare and present financial reports, findings, an ...
-
Credit Portfolio Risk Analyst I
5 days ago
Western Alliance Bank Phoenix, United StatesThe Portfolio Credit Risk Management department is a high performing, dynamic team within Western Alliance Bank. The ETL and SQL Data Analyst Portfolio Credit Risk will take an ownership role in populating the Banks loan and deposit data warehouse Risk Analyst, Risk, Portfolio, W ...
-
Credit Portfolio Risk Analyst I
1 week ago
Western Alliance Bank Phoenix, United States Full timeJob Title: · Credit Portfolio Risk Analyst I - ETL and Warehouse · Location: · CityScape · What you'll do: · The Portfolio Credit Risk Management department is a high performing, dynamic team within Western Alliance Bank. The ETL and SQL Data Analyst - Portfolio Credit Risk will ...
-
Credit Analyst
1 week ago
Aerotek Tempe, United States**Overview:** · **Actalent has an immediate opening for a Credit Analyst at our West Coast Corporate office in Tempe, AZ.** · **Compensation** · $48,000 · Bonus potential | Quarterly · **Schedule** · Full Time | Permanent · Monday - Friday | 8:00 AM - 5:00 PM · Hybrid | 4 ...
-
Credit Analyst
5 days ago
Aerotek Tempe, United States**Overview:****Actalent has an immediate opening for a Credit Analyst at our West Coast Corporate office in Tempe, AZ.****Compensation**$48,000Bonus potential | Quarterly**Schedule**Full Time | PermanentMonday - Friday | 8:00 AM - 5:00 PMHybrid | 4 days in office - 1 day remote** ...
-
Credit Analyst
3 days ago
Shamrock Foods Paradise Valley, United StatesThis position is responsible for conducting activities resulting in the timely collection or resolution of delinquent balances within an assigned portfolio of customers' accounts receivable is the core of the role performed by the Credit Analyst Level I. · Essential Duties: · R ...
-
Credit Analyst
5 days ago
OTR Solutions Scottsdale, United States Full timeOTR Solutions is an innovator in the transportation industry providing a suite of factoring, fuel, and business management focused solutions. We help new and established companies get fast access to the funds they need for daily operations. As a Private Equity backed FinTech comp ...
-
Credit Analyst
1 week ago
Voya Financial Scottsdale, United StatesTogether we fight for everyones opportunity for a better financial future. We will do this together with customers, partners and colleagues. We will fight for others, not against: We will stand up for and champion everyones access to opportunitie Credit Analyst, Analyst, Portfoli ...
Sr. Credit Analyst - Phoenix, United States - Western Alliance Bank
Description
Job Title:Sr. Credit Analyst -CRE
Location:
CityScape
What you'll do:
The position of Sr. Credit Analyst is responsible for completing various covenants tests for the bank's clients as they become due. They will complete/review financials spreads, needed to test covenants as detailed in the Business Loan Agreements (BLA) . Following the definitions of the various test in the BLA, they will prepare and provide a final report to the loan officers with supporting explanation of the logic used in his/her findings to the loan officer to for final approval of the tests.
These covenant tests can be done monthly, quarterly, semi-annually or annually as agreed by the bank's client. The analyst will also review covenants tests completed by junior analysts and provide guidance and corrections as needed. Covenant tests include Debt Service Coverage Ratio, Out of debt period, Maximum Debt to Tangible Net worth, Minimum Liquidity, etc.
What we are looking for:
Responsibilities:
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 or call 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