Assistant Vice President, Commercial Underwriting

Western Alliance Bank

Commercial Underwriter II responsible for underwriting complex loan requests at Western Alliance Bank. Collaborating with lending officers and mentoring junior analysts on financial analysis and risk assessment.

Posted 4/11/2026full-timeSan Diego • California • 🇺🇸 United StatesLead💰 $107,395 - $125,000 per yearWebsite

About the role

Key responsibilities & impact

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
Build internal relationships by working with lending officers on credit matters and loans involving unusual situations or requiring close scrutiny
Review loan structure, financial spreads, entity structures, collateral, market data and reports to understand inherent risks and prepare a recommendation to Credit Administration
Mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions and identifying risks and tangible mitigating factors to credit risk
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

Requirements

What you’ll need

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

Benefits

Comp & perks

Competitive salaries
Ownership stake in the company
Medical and dental insurance
Time off
Great 401k matching program
Tuition assistance program
Employee volunteer program
Wellness program

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial analysisloan structurecredit risk assessmentfinancial statement analysisrisk mitigationcredit underwritingmarket data analysiscovenant conditionspre-qualification assessmentnegotiation

Soft Skills

mentoringcommunicationrelationship buildinganalytical thinkingproblem solving