Business Officer/Loan Underwriter San Francisco

Job Description
Job Title: Business Officer/Loan Underwriter

Location - San Francisco

Summary/Objective:

1. Support frontline departments to conduct the due diligence for thenew business opportunities. Work closely with Account Officersand Credit department in order to provide any mitigation/recommendation for the proposal and close business deals successfully in atimely manner.
2. Assist frontline departments with financial analysis for bothexisting and potential customers in preparation of credit proposal andannual review.

Required Education and Experience:

Bachelor's degree (B. A. or B. S.) with Accounting or Finance major preferred from four-year college or university. MBA/MS degree preferred. At least 3 years related experience and/or training; or equivalent combination of education and experience.

Essential Functions:

1. Follow-through with front-line department, credit department andloan operation department through all phases of the underwriting process.
2. Maintain customer relationship and provide good services.
3. Analyze borrower/guarantor financial information including taxreturn, rent roll, etc. to determine the property's debt carrying abilityand the borrower's capacity to repay.
4. Full knowledge in commercial real estate mortgage (CRE), smallbusiness lending product (include but not limited to C&I, LOC, andetc.), and financial institution (FI) evaluation.
5. Spread and analyze personal and corporate financial statements, andprepare credit proposal.
6. Prepare various weekly/monthly reports for management, or other departments.
7. Participate in special projects as required.
8. Ability to adapt to a changing environment and handle multiple priorities
9. Excellent writing and analytical skills
10. Perform administrative responsibilities including taking notesduring meetings, preparing correspondence, and managing files
11. Performs other duties as assigned.
12. Collect business and credit information and references
13. Coordinate with attorneys and frontline officers to prepare loanclosings

Competencies:

1. Quality Management - demonstrates accuracy and thoroughness.
2. Time management - manage multiple priorities, and complete theassignments on schedule.
3. Customer service - responds promptly to customer needs and meets commitments.
4. Oral communication - communicate with customers and branch employeeseffectively and clearly.
5. Analytical - Collects and researches data; Uses intuition andexperience to complement data.
6. Problem Solving - Identifies and resolves problems in a timelymanner; Gathers and analyzes information skillfully; Developsalternative solutions; Uses reason even when dealing with emotional topics.
7. Written Communication - Writes clearly and informatively;Able to read and interpret written information.
8. Ability to perform services in person from a Bank office or branchto, among other things, access the Bank's computer systems and engage inan interactive environment with co-workers.

Supervisory Responsibility: None

Language/Communication Skills:

Able to write routine reports and correspondence in Chinese and English. Fluency in Cantonese/Mandarin and English.