Credit Underwriter

Credit Underwriter

Job Summary:

As a Credit Underwriter, you will evaluate and underwrite new loan originations and renewal transactions involving mortgage warehousing, mortgage servicing rights, working capital lines of credit, and other commercial lending products. This position requires close coordination with lending officers to perform detailed credit analysis and assess transactions that may feature complex structures within a dynamic, fast-paced environment.

A primary responsibility includes reviewing loan structures, financial statements, entity formations, collateral packages, market data, and industry research to identify underlying risks and deliver well-supported recommendations to Credit Administration. The role also involves preparing deal summaries, drafting loan packages, issuing administrative documentation, and contributing to annual relationship reviews.

Key Responsibilities:

• Conduct comprehensive financial reviews and risk assessments of prospective financing requests in alignment with the bank’s credit standards and current market conditions.
• Analyze complex financial statements with interrelated components to gather and organize the information required for loan proposals submitted to senior leadership or the Loan Committee.
• Customer Relations: Participate in virtual and on-site due diligence meetings at client offices or operational facilities, working alongside sales representatives to engage with current and prospective customers.
• Support and guide junior credit analysts by reviewing their work, including compliance documentation and selected underwriting elements.
• Partner with internal sales, processing, and treasury management teams to strengthen and expand diverse banking relationships.

Qualifications:

• More than two years of relevant professional experience.
• Bachelor’s degree or equivalent professional experience required.
• Working knowledge of core banking functions, including deposit operations, loan administration, treasury services, and commercial banking solutions.
• Understanding of regulatory requirements, legal compliance obligations, and established industry practices.
• Proficient verbal and written communication skills.

What We Offer:

• Competitive compensation and comprehensive benefits package designed to attract and retain top talent
• Opportunity to participate in company ownership
• Medical and dental insurance coverage that supports preventive care and ongoing healthcare needs
• Paid time off
• 401k matching program
• Tuition assistance program
• Employee volunteer program
• Wellness program

About Western Alliance Bank:

Western Alliance Bank, Member FDIC, operates as a wholly owned subsidiary of Western Alliance Bancorporation and includes divisions such as Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank. AmeriHome Mortgage is also part of the Western Alliance Bank family of companies.

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