Credit Risk Review Data Manager

Job Title:

Credit Risk Review Data Manager

Location:

Scottsdale

What you'll do:

This position is responsible for selecting, managing, and reporting data within the Internal Credit Risk Review (CRR) department. The Credit Risk Review Data Manager will perform tasks that increase the data-driven operational successes of the department, using tools such as SQL, Dax, Excel, Tableau, Word and Power BI. The Data Manager should be proficient in developing and managing reports in various formats, including, but not limited to, Excel, Tableau and Power BI. While this not an IT position, this position is directly connected to the Internal Credit Risk Review department’s day-to-day responsibilities and should be proficient in the Bank’s data elements. The Credit Risk Review Data Manager will create relevant visualizations of data, manage current CRR databases in the respective application(s), create new calculated variables and/or ad-hoc reports, and create or edit the data in order to tailor generic datasets towards the CRR department. The Credit Risk Review Data Manager is responsible for effectively communicating progress and output results to other members of the department that will use the information, many of which will not have the same knowledge of data manipulation as this position requires. This position requires using datasets whose content is related to commercial lending and/or any other potential data that might be reviewed by the department.
A learning mindset towards credit, loan operations, finance, accounting, regulations, and commercial banking is strongly preferred. The incumbent is expected to demonstrate a high degree of confidence in working independently on ad hoc tasks as needed for the department. This position will also support the Credit Risk Management Review Director in accordance with the Credit Risk Oversight team’s review and oversight of the Bank’s Allowance for Credit Losses (ACL) process. Being involved with the oversight of the ACL process, the incumbent should be skilled in understanding credit requirements and portfolio segmentation, as well as, reviewing credit approval packages, credit risk ratings, problem loan reporting, and other similar credit-related items. The Data Manager’s knowledge of credit will allow for seamless interaction with members of the Bank’s Credit Administration Department which executes the ACL process. In addition, the Data Manager will stay up to date on the latest risk-related news and trends across the financial services industry, economics, markets, politics, etc. and apply critical thinking to anticipate potential impact(s) on the performance of the Bank’s loan portfolios. This position is located in either Scottsdale, AZ, Dallas, TX, Las Vegas, NV, San Jose, CA, San Diego, CA, or Los Angeles, CA.
Internal Credit Risk Review is a department within the Bank’s second line of defense for credit risk management known as the Credit Risk & Review Group. The independent Credit Risk & Review Group’s mission is to help ensure the financial soundness of the Company by identifying, assessing, and escalating credit risk to the Board and senior management, and to drive continuous improvement in the quality of the bank’s credit risk management consistent with the risks and complexities of its loan portfolio. To execute its mission, our Group is organized in two separate, but synergistically collaborative teams comprised of Internal Credit Risk Review and Credit Risk Oversight.

What we are looking for:

Responsibilities:

• Utilizes data management tools effectively inclusive of, but not limited to SQL, Tableau, Excel, Power BI and others.
• Creates data visualizations (“dashboards”) as the department sees fit, that are easy-to-read and insightful.
• Confidently uses SQL and other data languages/aspects to quickly and automatically manage very large databases without error.
• Communicates with WAB’s IT department and WAB’s data stewards regarding safety and security of data, and the permission to manipulate it.
• Assists in the maintenance of the CQS (DiCom) system which is the primary CRR working platform.  Also, works as liaison between Western Alliance and DiCom.
• Assists in performance and completion of special projects related to data analysis as may be assigned by Coverage Team Leaders on an ad hoc basis.
• Executes certain departmental administrative functions and reporting.
• Communicates with the Credit Administration department as needed to perform tasks.
• Reports directly to the Credit Risk Management Review Director in reviewing the 1LOD’s ACL process to provide assistance on any and all areas included in this process. 
• Demonstrates an enthusiasm and willingness to learn about commercial banking, lending, and risk management.
• Ensures consistent application of Credit Risk Review Policies and Procedures.

Qualifications:

• Demonstrated study of Statistics and Data Science, either through a bachelor’s degree in relevant fields, or previous work clearly showing advanced experience in relevant fields
• Successful completion of formal credit training program is preferred, but not necessary.
• Previous credit risk review experience is preferred, but not necessary.
• Advanced knowledge of Excel, Tableau, Power BI, Word, and SQL is required.
• Demonstrated understanding of data analysis and statistics, as well as strong analytical skills with an emphasis on credit and loan portfolio review.
• Demonstrated a willingness to continue learning about the Bank, inclusive of any additional applications that may be involved in the required tasks.
• Strong analytical and problem-solving skills are required.  Ability to understand business and industry concepts in order to develop and suggest intelligent, viable solutions to problems.
• Knowledge of commercial banking operations and commercial lending credit policies is not necessary, but a willingness to learn and develop these skills over time is strongly preferred.
• Experience with very large datasets where manual review of data is extremely difficult or impossible.
• Knowledge of database management and safety such as backup management, live connections, and encryption is preferred, but not necessary.
• Effective oral, written, and interpersonal communication skills with the ability to carry out instructions and instruct others, train personnel, interpret complex documents, understand procedures, write reports, correspondence, and procedures, and speak clearly to lenders, management, and employees.
• Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.
• Ability to manage multiple tasks concurrently, with a high sense of urgency, and mange timelines accordingly.
• Ability to work independently on routine monthly items and ad-hoc assignments.
• Works well individually and in teams, shares information, supports colleagues, and encourages participation.
• Flexibility to travel as required.
• Participate in required Bank training, including but not limited to annual BSA/AML/OFAC and Compliance Training.

Compensation: Salary range for new hires is generally $149,295.00 - $175,642.00 for Los Angeles, CA. Salary range for new hires is generally $132,710.00 - $156,125.00 for Las Vegas, NV. Salary range for new hires is generally $159,250.00 - $187,352.00 for San Jose, CA. Salary range for new hires is generally $149,295.00 - $175,642.00 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!

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.

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