Vice President, Commercial Underwriting - SBA

Job Title: Vice President, Commercial Underwriting - SBA Location: CA - San Diego, 450 B St What you'll do: As a Vice President, SBA Commercial Underwriter III - Business Banking you'll be responsible for underwriting difficult 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. You'll build internal relationships by working with lending officers on credit matters and loans involving unusual situations or requiring close scrutiny. One of your key responsibilities is to review for SBA eligibility, 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. May mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions and identifying risks and tangible mitigating factors to credit risk. Perform SBA eligibility review Perform special financial statement analyses, typically involving complex and interlocking relationships. Provide credit information and references for customers, loan officers, or other agencies as requested. Perform 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. Gather and analyze 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; negotiate loan terms and conditions; refer and recommend acceptance to Credit Administration.

6+ years of related experience. 4+ years of related SBA experience. Advanced knowledge of SBA SOPs. Bachelor's degree or equivalent experience required. Advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services. Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. Advanced speaking and writing communication skills.

Salary range for new hires is generally $114,910.00 - $141,946.00 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!

Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands — Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank — that remain part of the company’s heritage, as well as AmeriHome Mortgage, 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