Associate Director, Business & Consumer Loan Center (BCLC)

United States·Phoenixexecutive

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Key Responsibilities

As an Associate Director, Business & Consumer Loan Center (BCLC), you'll be in a leadership role responsible for overseeing key lending and portfolio management activities within the BCLC,

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Associate Director, Business & Consumer Loan Center (BCLC)

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Responsibilities

~2 min read

As an Associate Director, Business & Consumer Loan Center (BCLC), you'll be in a leadership role responsible for overseeing key lending and portfolio management activities within the BCLC, including loan origination support, portfolio management, credit quality, operational execution, risk management, and team performance. This role leads and develops lending and portfolio management professionals while providing oversight of workflow, service levels, credit administration processes, portfolio performance, and adherence to established Bank lending policies and procedures. The position partners closely with Credit Administration, Loan Administration, Banking teams, Operations, Risk, Compliance, and other key stakeholders to ensure consistent execution, strong credit quality, effective portfolio management, and an efficient client and banker experience. The BCLC itself is responsible for originating, underwriting, managing and monitoring eligible business credit products, with the objective of improving underwriting and portfolio-management consistency and improving response times.

→Review the work from Portfolio Managers, including loan presentations, rating reviews, credit applications, financial analysis, extension of credit limits, action plans, provisional risk scoring and usual portfolio management requirements. Oversee the identification of risks issues, close monitoring of and reporting on the status of the borrower and underlying project conditions, including escalating to appropriate departments where appropriate.
→Supervise a variety of general portfolio management activities, including credit concentration reviews and portfolio optimization, critical analysis of trends and factors impacting various client projects. Prepare reports for management based on team's analysis related to under-performing assets and recommends mitigation strategies.
→Coordinate work distribution and service level performance. Oversee the processing of approved loans; controls the process to validate that loans are processed according to agreement, customer needs and conform to Bank lending policies. Contribute to projects related to maintaining and improving internal credit and loan administration policies and procedures.
→Compile and analyze market research data to develop recommendations regarding products and services focused on needs of target market.
→Engage in business development activities and solicitation of new business based on the target market, partnering with bankers and Credit Administration to support an effective end-to-end lending experience.
→Develop and maintains customer data base including calls and results on all new business relationships and referral sources. Make reports to superiors as required.
→ Partner in the evaluation and implementation of technology, automation, system enhancements, and process improvements that increase lending efficiency, strengthen controls, and improve scalability.
→Lead and develop a team; responsible for hiring, coaching, performance management, training and development.

10+ years of related experience in Portfolio Management or similar field.
Bachelor's degree or equivalent experience required.
Previous leadership experience required.
Advanced to expert knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
Advanced to expert knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
Advanced to expert knowledge of commercial credit and loan structuring, pricing dynamics and has market specific awareness.
Advanced speaking and writing communication skills.
May require some travel

What We Offer

~1 min read

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 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.