Innovation Leadership Program (iLead) - Scottsdale, AZ - Credit Risk Review

Company: Disability Solutions
Location: Scottsdale
Posted on: January 24, 2025

Job Description:

Job Title:Innovation Leadership Program (iLead) - Scottsdale, AZ - Credit Risk ReviewLocation:ScottsdaleWhat you'll do:Start date between June 23, 2025 to July 7, 2025This eighteen-month rotational program gives participants the opportunity to further build their business skills and develop an innovation mindset at a fast-growing company. Program participants will become the trailblazers in their functions, working on projects that will shape the future of Western Alliance Bank. Participants will gain high-impact experience, accelerate their careers as innovator leaders, build their professional network and interact closely with senior executives. The Credit Risk & Review Group's Internal Credit Risk Review and Credit Risk Oversight programs collectively help to ensure the safety and soundness of the Bank by independently identifying, assessing, and escalating credit risk to senior management, the Board of Directors and regulators. To execute its mission, the Credit Risk & Review Group provides independent risk-based credit assurance, advisory, and oversight services.The iLoad will perform activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently provide feedback on 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 Rotations for Commercial & Industrial Banking are:Rotation 1: Credit Risk Review group's Internal Credit Risk Review and Credit Risk Oversight programs collectively help to ensure the safety and soundness of the Bank by independently identifying, assessing, and escalating credit risk to executive management, the Directors' Risk Committee (DRC), federal and state banking regulators, external auditors, and other key stakeholders. Functions include activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently provide feedback on the adequacy of underwriting analyses. Reviews all pertinent credit and financial information, including business and personal financial statements, spreadsheets, cash flow analyses, and other sources, as applicable.Rotation 2: Credit Underwriting & Portfolio Management is a combined function in finance responsible to assess the creditworthiness of potential borrowers and to actively monitor and manage the performance of a collection of loans to minimize risk and optimize returns, ensuring the loan portfolio remains within established credit risk parameters. The track experience will develop and build credit acumen focused on underwriting and structuring to position the participant for commercial banking career. The participant will support the underwriting of new transactions by shadowing more senior colleagues and working on projections modeling, structuring conversations, diligence calls, and performing annual reviews, renewals and other portfolio management tasks.Rotation 3: Commercial Real Estate Residential will assess the strengths/risks, analyze financial strength, and assist with formulating loan structure to prepare Opportunity Memos and Loan Presentations for Credit Approval. Ensure completeness and accuracy of information presented for Credit Approval inclusive of incorporating changes recommended by applicable reviewers (i.e. Peer Reviewer, Lead Underwriter/Portfolio Manager, Loan Officer, Real Estate Manager). The role will assist Portfolio Managers in proactively managing the relationships by recommending changes or enhancements to the credit based on continual review of the credit file and evolving risk profile. The role will have responsibility in the collection of past due reporting items from the customer, verifying compliance with documented covenants, as tested by Portfolio Manager, and assisting Portfolio Manager in escalating borrower's potential negative financial trends for discussion/resolution with Management.What you'll need:

• MBA or master's degree in a related field completed in the last three years and before the start of the program.
• Job experience of two to five years related experience in: banking or financial services, loan underwriting and structuring, project management, data analysis, risk management, or client facing sales and service roles (including leadership).
• History of acting as a change agent and taking calculated risks.
• Desire to innovate, disrupt and improve.
• Entrepreneurial mindset.
• Demonstrated leadership, strong interpersonal skills and ability to work effectively in a team environment.
• Highly proficient in Microsoft Office (e.g., Excel and PowerPoint) and other presentation tools.
• Ability to work both independently and on cross-functional teams.
• Comfortable with working in a rapidly changing environment.
• Strong verbal, written and interpersonal communication skills, with the ability to present complex information to diverse stakeholders.
• Additional Track skills:
  • Strong understanding of financial principles, business banking, and risk management.
  • Accounting or Finance degree (or advanced degree) to ensure the ability to read and analyze financial statements.
  • Strong critical thinking and problem-solving skills.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

Keywords: Disability Solutions, Casa Grande , Innovation Leadership Program (iLead) - Scottsdale, AZ - Credit Risk Review, Accounting, Auditing , Scottsdale, Arizona